p-Index From 2021 - 2026
3.837
P-Index
Claim Missing Document
Check
Articles

Found 2 Documents
Search
Journal : Al-Ulum

THE EFFECT OF SPIN-OFF POLICY ON FINANCING GROWTH IN INDONESIAN ISLAMIC BANKING INDUSTRY Al Arif, M. Nur Rianto
Al-Ulum Vol 15, No 1 (2015): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1501.559 KB)

Abstract

The purpose of this paper is to analyze the relationship between spin-off policy on the financing growth of Islamic banking industry in Indonesia. This research used panel  regression with fixed effect. The variable used in this paper is dummy variabel of spin-off, and also included the internal factor of industry such as third party fund, and efficiency ratio (measured by BOPO). Besides the internal factor, this research also included the external factor such as inflation rate, economic growth rate, and interest rate from conventional banking. The result shows that only third part funds and interest rate had an impact on the financing growth in spin-off banks. The spin-off policy doesn’t have an impact on the financing growth in spin-off banks -----Tujuan dari penulisan artikel ini ialah untuk menganalisis keterkaitan antara kebijakan pemisahan terhadap pertumbuhan pembiayaan pada industri perbankan syariah di Indonesia. Penelitian ini menggunakan teknik regresi panel dengan model efek tetap. Variabel yang dipergunakan dalam artikel ini ialah variabel dummy pemisahan, serta memasukkan pula faktor internal seperti dana pihak ketiga dan rasio efisiensi yang diukur dari BOPO. Selain itu dimasukkan pula faktor eksternal seperti tingkat inflasi, tingkat pertumbuhan ekonomi, dan tingkat suku bunga dari bank konvensional. Hasil yang ada menunjukkan bahwa hanya dana pihak ketiga dan tingkat bunga yang memiliki pengaruh terhadap pertumbuhan pembiayaan di bank syariah yang pisah. Kebijakan pemisahan tidak memiliki pengaruh terhadap pertumbuhan pembiayaan di bank syariah yang pisah.
Strategi Alternatif untuk Akselerasi Pertumbuhan Bank Syariah: Penggabungan, Pemisahan, Akuisisi, dan Konversi Mohammad Nur Rianto Al Arif; Aini Masruroh; Dwi Nuraini Ihsan; Yuke Rahmawati
Al-Ulum Vol. 20 No. 1 (2020): Al-Ulum
Publisher : Institut Agama Islam Negeri (IAIN) Sultan Amai Gorontalo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1336.583 KB) | DOI: 10.30603/au.v20i1.1171

Abstract

The year 2023 is the deadline for sharia business units to decide on the business strategy to be carried out. This study aims to determine alternative strategies that can be carried out by sharia business units in accelerating business growth. The approach taken in this paper is a mixture of qualitative and quantitative approaches. A qualitative approach using SWOT analysis and interviews. While the quantitative approach using ARIMA. The ARIMA results show that no sharia business unit can achieve a 50% share of assets from its parent bank. This shows the spin-off strategy as mandated by the law needs to be evaluated. Alternative strategies that can be done is conversion, where there are already two banks that do this strategy. Also, another alternative strategy that can be taken is a merger between Islamic business units. Another alternative strategy is the acquisition of sharia business units by established sharia full-fledged banks.