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Financing Relations Of MSME And Non-MSMEs, Number Of Syariah Bank Offices To Gross Regional Domestic Product Darma Taujiharrahman; Rahman El-Junusi; Zuhdan Ady Fataron
AL-ARBAH: Journal of Islamic Finance and Banking Vol 3, No 1 (2021)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2021.3.1.7424

AbstractPurpose - This study aims to analyse the relations of financing of MSME, non-MSMEs and the number of offices on Gross Regional Domestic Product of Central Java Province during 2014-2019.Method - This research is using The comparative causal research method which one of the ex post-facto quantitative research methods carried out by looking at the causal relationship between one change and another based on existing data.Result - The result of this research indicates that the financing of MSME and non-MSMEs had positive and significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019 and the number of offices had negative non-significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019.Implication - This study uses the data from Islamic bank in Central of Java and the Gross Regional Domestic Product of Central Java.Originality- The paper looks into the relations of the financial inclusion that provided by Islamic banks to the public in order to support the creation of economic growth in Central Java. The number of offices discribed the access to Islamic banks and the financing of MSME and non-MSMEs discribed the usage of Islamic banks in Central Java.

Development Strategy for Micro, Small, and Medium Enterprises through Islamic Financial Inclusion Novatul Isrowiyah; Warno Warno; Rahman El Junusi
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 9 No. 1 (2020): April
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

This study calculates and analyzes the Islamic financial inclusion index which covers three dimensions; accessibility, availability, and usage of sharia banking. The results showed that the level of Islamic financial inclusion in Indonesia was classified as low during the study period and DKI Jakarta Province was the most inclusive province in Indonesia. Furthermore, this study analyzes the effect of the Islamic financial inclusion index on Islamic financing channeled to Micro, Small and Medium Enterprises (MSMEs) in Indonesia. Using the saturated sampling method, a total of 33 provinces in Indonesia were selected as samples with an observation period. The results show that the Islamic Financial Inclusion Index (IIK) has a significant positive effect on sharia financing channeled to the MSME sector, one of the regions that appears to be growing faster than other regions is Aceh. This research is different from previous financial sector inclusiveness studies that still see and study conventional (non-sharia) financial inclusion and find out the impact of sharia financial inclusion based on sharia financial inclusion indexes on sharia financing distributed to Micro, Small and Medium Enterprises in Indonesia and discuss comprehensively for MSME.

Relevance of Key Performance Indicators and Islamic Higher Educations Reputation Rahman El Junusi; Tolkah Tolkah; Heny Yuningrum; Ferry Khusnul Mubarok
At-Taqaddum Vol 14, No 1 (2022)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v14i1.11546

The university ranking is an achievement indicator based on reputation, especially global reputation. The objectives of this study are (1) To determine the relevance of Key Performance Indicators (KPI) and PTKINs’ reputation based on SMS and Webometrics ranking; (2) To find out the correlation between KPI and PTKINs’ Reputation. This study uses mixed methods or integration of quantitative and qualitative research. The research objects were 17 PTKINs. For the analysis technique, it uses person correlation and explorative analysis. The results showed that of 51 KPI criteria, only one was relevant to the reputation of PTKINs based on the SMS ranking. In contrast, there are 13 KPI criteria that fit PTKINs' reputation based on Webometrics ranking. KPI does not correlate with PTKINs’ reputation based on SMS ranking, while KPI correlates with PTKINs’ reputation based on Webometrics ranking. For this reason, a policy is needed to synchronize KPI with WCU standards that have been recognized globally. While the implementation of ranking based on SMS needs to be reviewed because it does not reflect PTKINs' reputation.

Analysis of the Return and Risk of Investment in Insurance Companies Listed on the Indonesia Stock Exchange Robbyah, Aizzah Sifaur; Mubarok, Ferry Khusnul; El Junusi, Rahman; Wahyudi, Rofiul
At-Taqaddum Vol. 13 No. 1 (2021)
Publisher : Quality Assurance Institute (LPM) State Islamic University Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/at.v13i1.8949

The return and risk of stock investment have a high level of volatility because it depends on fundamental and technical conditions and the influence of micro and macro variables. This study aims to determine the risk and return on investment in insurance companies and analyze the effect of macroeconomic variables on the level of risk and return on investment in insurance companies. The sampling technique used was purposive sampling. Data analysis shows that for three years, Asuransi Jasa Tania Tbk has the highest level of conclusion, which is 22.3%, and Asuransi Harta Aman Pratama Tbk. has the lowest rate of -3.3%. For three years, the value of Gross Domestic Product has increased successively so that this will cause a stock return that is proportional to the level of risk that will be faced. Changes in the inflation rate up and down for three consecutive years have a different effect every year where when the inflation rate decreases, the rate of return on investment will be high. In addition, the interest rate decreased from 4.75% in 2016 to 4.25% in 2017. Then it increased to 6.00% in 2018. The Rupiah exchange rate against the dollar is getting weaker, indicating an increase in the exchange rate. Every year from 2016 to 2018. When the rupiah exchange rate weakens, people will choose to invest in foreign currencies because the value of these foreign currencies can determine the size of the risk of a business.

The Mediating Role of Innovation between Transglobal Leadership and Organizational Performance in Islamic Higher Education El Junusi, Rahman; Mubarok, Ferry Khusnul
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 8 No 2 (2021): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v8i2.22265

This study aims to examine the effect of transglobal leadership on organizational performance mediated by innovation. This research was conducted on 236 lecturers and academic staff of Islamic higher education. The data collected through the survey was applied to structural equation modeling (SEM) using AMOS. From the study, it was found that transglobal leadership significantly affects innovation and organizational performance, and innovation significantly affects organizational performance. Thus, this study contributes to the literature on the role of transglobal leadership and innovation in improving organizational performance. The originality of this study is to offer a transglobal leadership style that influences organizational performance in Islamic higher education that is mediated by innovation. Thus, there have been no studies investigating this causality.

Financing Relations Of MSME And Non-MSMEs, Number Of Syariah Bank Offices To Gross Regional Domestic Product Darma Taujiharrahman; Rahman El-Junusi; Zuhdan Ady Fataron
AL-ARBAH: Journal of Islamic Finance and Banking Vol. 3 No. 1 (2021)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/al-arbah.2021.3.1.7424

AbstractPurpose - This study aims to analyse the relations of financing of MSME, non-MSMEs and the number of offices on Gross Regional Domestic Product of Central Java Province during 2014-2019.Method - This research is using The comparative causal research method which one of the ex post-facto quantitative research methods carried out by looking at the causal relationship between one change and another based on existing data.Result - The result of this research indicates that the financing of MSME and non-MSMEs had positive and significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019 and the number of offices had negative non-significant effect on Gross Regional Domestic Product of Central Java Province during 2014-2019.Implication - This study uses the data from Islamic bank in Central of Java and the Gross Regional Domestic Product of Central Java.Originality- The paper looks into the relations of the financial inclusion that provided by Islamic banks to the public in order to support the creation of economic growth in Central Java. The number of offices discribed the access to Islamic banks and the financing of MSME and non-MSMEs discribed the usage of Islamic banks in Central Java.

Governance violations and their impact on business growth: A case study of Sharia Rural Bank Saka Dana Mulia Kudus Sumarno, Sumarno; Yahya, Muchlis; El Junusi, Rahman; Murtadho, Ali; Elizabeth, Misbah Zulfa; Abdullah, Irwan
Journal of Islamic Economics Lariba Vol. 12 No. 1 (2026)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol12.iss1.art28

IntroductionGovernance failure in Islamic rural banking remains a critical challenge because weak implementation of prudential principles, ineffective oversight, and inadequate risk management can threaten institutional sustainability and ultimately result in the revocation of an operating license. Although governance has been extensively discussed in Islamic banking, comprehensive evidence explaining how governance violations, liquidity risk, and capital inadequacy jointly contribute to institutional failure remains limited, particularly among Sharia Rural Banks in Indonesia.ObjectivesThis study aims to identify the types of governance violations that occurred at Sharia Rural Bank Saka Dana Mulia Kudus, analyze the implementation of good corporate governance and Islamic corporate governance, examine the relationship between governance failure, liquidity risk management, and minimum capital adequacy, and evaluate their impact on sustainable business growth.MethodThis study employed a qualitative approach using a single-case study design focusing on Sharia Rural Bank Saka Dana Mulia Kudus. Secondary data were collected from regulatory documents, banking publication reports, financial statements, official policies, media reports, and academic literature covering the period from 2020 to 2024. Document analysis, thematic coding, and source triangulation were applied to identify governance failures, liquidity risk, capital adequacy issues, and their consequences for banking performance and business continuity.ResultsThe findings reveal that governance failure resulted from the ineffective performance of the board of directors and board of commissioners, weak implementation of prudential principles, inadequate liquidity risk management, failure to satisfy minimum capital adequacy requirements, and ineffective Sharia compliance oversight. These weaknesses caused severe deterioration in financial performance, reflected by extremely high non-performing financing, declining profitability, insufficient liquidity reserves, negative capital adequacy, and continuing operating losses. The resulting decline in depositor confidence, reduction in third-party funds, unsuccessful restructuring efforts, and worsening financial health ultimately led to the revocation of the bank’s operating license and significantly hindered business growth.ImplicationsThe findings emphasize the importance of strengthening governance structures, improving liquidity risk management, ensuring sustainable capital adequacy, enhancing the effectiveness of the Sharia Supervisory Board, and implementing more proactive regulatory supervision and early warning mechanisms to safeguard institutional stability and promote sustainable growth in Islamic rural banking.Originality/NoveltyThis study provides a comprehensive analytical framework integrating governance failure, liquidity risk management, minimum capital adequacy, and Islamic corporate governance to explain institutional failure in a Sharia Rural Bank. It offers practical early warning indicators for regulators and banking practitioners while demonstrating that Islamic institutional identity alone does not guarantee effective governance without substantive oversight, prudent management, and integrated risk control.

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