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Laku pandai’s program and deposit funds: study at bank of bri sharia Al Arif, M. Nur Rianto; Firmansyah, Firmansyah
Jurnal Ekonomi Vol 23, No 1 (2018): March 2018
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v23i1.329

Abstract

Laku Pandai’s program is one of the policies that implemented by the financial service authority (OJK) to expand the banking service to the people. One of the Islamic banks that had implemented the program is Bank of BRI Sharia. This research is going to examine the effectiveness of Laku Pandai’s program to deposit funds in Bank of BRI Sharia. This study using regression with the dummy variable. The result shows that there is a difference between pre and post-Laku Pandai’s program in Bank of BRI Sharia. This result implies that the Laku Pandai’s implementation had an impact on increasing deposit funds in Bank of BRI Sharia. So, it is recommended to add more Islamic banks that implemented the Laku Pandai’s program
Tingkat profitabilitas pembiayaan mikro dan metode economic value added : studi pada bank bri syariah Al Arif, M Nur Rianto; Hanifa, Suci
Jurnal Ekonomi Vol 22, No 2 (2017): July 2017
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v22i2.225

Abstract

Microfinance is one of the Islamic bank’s products for micro, small, and medium enterprises. The aim of this research is to analyze the profitability ratio in micro finance using economic value added method. The object of this study is at Bank of BRI Sharia. The result show that in 2014 had an economic value added  (EVA)about Rp 327.030.746.600 or about 10,48% from the financing. The EVA’s value shows that the microfinance at Bank of BRI Sharia had good enough. The implication of this result is Bamk of BRI Sharia should maintance and increase the quality of the financing strategy in microfinance product.
PENGARUH TIPE PEMISAHAN TERHADAP PENYALURAN PEMBIAYAAN PADA BANK UMUM SYARIAH HASIL PEMISAHAN Al Arif, M Nur Rianto
JURNAL EKONOMI DAN BISNIS ISLAM Vol 1 No 2 (2016): Volume I Nomor 2 Juni 2016
Publisher : IAIN Langsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (634.535 KB) | DOI: 10.32505/v4i1.1235

Abstract

The Islamic business unit spinoff has taken two forms such as pure spinoff and spinoff withacquisition, convert, and merger. The objective of this research is to analyze the impact ofspinoff type to financing in spinoffs banks. The analysis technique that used in this paper ispanel regression with random effect model. The result shows that the spinoff type didn?t havean influence to financing in spinoffs banks. The implication of this result is the spinoffs typedecision depend on business consideration that the most useful and practice.
Predicting Volatility of Non-Performing Financing: Lessons from Indonesian Islamic Banking Industry Mubarok, Faizul; Hamid, Abdul; Al Arif, Mohammad Nur Rianto
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2020): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v11i1.1-13

Abstract

Islamic banking financing is carried out into three categories, namely financing based on economic sectors, financing based on contracts, and financing based on types of use. The funding is faced with risks where the customer is unable to pay the loan. This study discusses the forecasting of Islamic banking problem financing in Indonesia using monthly data from 2003 to 2019. Prediction is made using the Autoregressive Conditional Heteroscedasticity-Generalized Autoregressive Conditional Heteroscedasticity (ARCH-GARCH) method. Forecasting from the results of this study shows that non-performing financing tends to decrease in Indonesia. Islamic banking has been able to manage problem financing well. Islamic banking financing should be focused on sectors that have low risk. The results of this study are undoubtedly useful for stakeholders to make policies to improve the quality of the funding.
KESESUAIAN PEMBELAJARAN EKONOMI ISLAM DI PERGURUAN TINGGI DENGAN KEBUTUHAN SDM PADA INDUSTRI KEUANGAN SYARIAH DI INDONESIA Amalia, Euis; Al Arif, M. Nur Rianto
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 7, No 1 (2013)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v7i1.123-142

Abstract

This study aims to analyze the potencies and roles of Universities both Islamic Higher Education (PTA) and Public Higher Education (PTU) in providing human resources through Islamic economic and finance learning development that accommodates the competencies of industries demand. The methods used in this study are the path analysis and the content analysis. Based on the Path analysis, it is found that there is a significant relationship between the academicians’ perception on the curriculum and learning model, and practitioners’ perception on human resource competencies for industries. In addition, the Paired T Test proves that there is no profile difference between the graduates of PTA and PTU; both have equal opportunities to meet the human resource demand of industries. Meanwhile, based on the content analysis toward the curriculum it is found that the learning system results in different competencies.
The Stability of the Indonesian Sharia Stock Index to Economic Shocks Mubarok, Faizul; Al Arif, Mohammad Nur Rianto; Mufraini, Muhammad Arief
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7748

Abstract

The stock market has a strategic role in the development of a country's economy in the era of globalization, including the Islamic stock market. The rapid growth of the Islamic stock market, especially in developing countries, is a historical record in Indonesia's financial sector. This study aims to analyze the factors that influence the return of the Indonesian Sharia Stock Index (ISSI) in the short and long term, how long shocks occur, and how much the contribution of these factors. This study uses monthly time series data from January 2012 to December 2019 using the Vector Error Correction Model (VECM) method. VECM estimation results show the price of gold has a significant effect on the short and long term, while inflation has an impact on a long time. ISSI's return quickly reaches stability when it receives a shock from the exchange rate. The price of gold dominates the diversity of ISSI's performances. Stakeholders should consider several things that affect the ISSI return, pay attention to the economic climate, and anticipate quickly the shock that occurs.
The Stability of the Indonesian Sharia Stock Index to Economic Shocks Mubarok, Faizul; Al Arif, Mohammad Nur Rianto; Mufraini, Muhammad Arief
IQTISHADIA Vol 13, No 2 (2020): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v13i2.7748

Abstract

The stock market has a strategic role in the development of a country's economy in the era of globalization, including the Islamic stock market. The rapid growth of the Islamic stock market, especially in developing countries, is a historical record in Indonesia's financial sector. This study aims to analyze the factors that influence the return of the Indonesian Sharia Stock Index (ISSI) in the short and long term, how long shocks occur, and how much the contribution of these factors. This study uses monthly time series data from January 2012 to December 2019 using the Vector Error Correction Model (VECM) method. VECM estimation results show the price of gold has a significant effect on the short and long term, while inflation has an impact on a long time. ISSI's return quickly reaches stability when it receives a shock from the exchange rate. The price of gold dominates the diversity of ISSI's performances. Stakeholders should consider several things that affect the ISSI return, pay attention to the economic climate, and anticipate quickly the shock that occurs.
Evaluation of the Spinoffs Criteria: A Lesson from The Indonesian Islamic Banking Industry Al Arif, M Nur Rianto; Nachrowi, Nachrowi D; Nasution, Mustafa Edwin; Mahmud, T.M. Zakir
IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3211

Abstract

Spin-off policy is one of the crucial issues in the Indonesian Islamic Banking Act (The Act of 21/2008). This paper is going to evaluate the spinoffs criteria that are inherent in the Act of 21/2008. The method that has been used in this paper to evaluate the spinoffs criteria is ARIMA and simulation. This ARIMA method is used to forecast that the Islamic banking unit can achieve the fifty percent asset after fifteen years after this act. The object that is used in this paper is four Islamic spin-off's banks, five Islamic banking units, and two Islamic full-fledged banks. The ARIMA result shows that from all of the objects in fifteen years or the year of 2023, there are no Islamic banks either Islamic full-fledged banks or Islamic banking unit can achieve the fifty percent asset. Besides that, based on the simulation it needs high growth asset to achieve the market share asset of its parent’s banks. According to these results, this study suggests the regulator should revise the spinoffs criteria using the strict criteria that based on either nominal assets, capital, financial ratio or the others.
METODE SPIN-OFF DAN TINGKAT PROFITABILITAS: STUDI PADA BANK UMUM SYARIAH HASIL SPIN-OFF Al Arif, M Nur Rianto; Dewanti, Endah Putri
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2316

Abstract

The Law No. 21 of 2008 about Islamic banking, requires every Islamic business unit to spin-off if they have met the criterion. There are two spin-off’s methods can be selected by Islamic banks. The purpose of this research is to analyze the effect of spin-off method to profitability. The profitability indicator that used in this study is the return on asset. This study is using panel regression with random effect model. The result showed that spin-off method doesn’t have a significant impact on the Return On Asset (ROA) Islamic Banks from spin-off effect. Only BOPO and Non-Performing Finance (NPF) had a significant effect on Return On Asset (ROA). These results indicate that the Islamic business units that want to do the spin-off can choose one of two methods of the spin-off. The decision depends on the internal condition of Islamic business unit and the internal policies of conventional commercial banks.Undang-undang No. 21 tahun 2008 tentang Perbankan Syariah mewajiban setiap unit usaha syariah untuk melakukan pemisahan apabila telah memenuhi kriteria. Terdapat dua metode pemisahan yang dapat dipilih oleh bank syariah. Tujuan dari penelitian ini ialah untuk menganalisis pengaruh metode pemisahan terhadap tingkat profitabilitas. Sampel yang digunakan pada penelitian ini adalah empat bank syariah hasil pisah. Indikator profitabilitas yang dipergunakan dalam penelitian ini ialah rasio return on asset. Metode analisis yang dipergunakan dalam penelitian ini regresi panel dengan model efek acak. Hasil penelitian menunjukkan bahwa metode pemisahan tidak berdampak pada tingkat profitabilitas di bank umum syariah hasil pemisahan, hanya tingkat efisiensi operasional (BOPO) dan tingkat pembiayaan bermasalah (NPF) yang berdampak pada tingkat profitabilitas.. Hasil ini mengindikasikan bahwa unit usaha syariah yang ingin memisahkan diri dapat memilih metode pemisahan. Keputusan tergantung pada kondisi internal dari unit usaha syariah dan kebijakan internal dari bank induk konvensional.
The Intention of Millennial Generation in Paying Zakat through Digital Payments Al Athar, Muhamad Daniyal; Al Arif, Mohammad Nur Rianto
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): IJIBEC VOL. 5 NO. 1 JUNE 2021
Publisher : Faculty of Islamic Economics and Business of Institut Agama Islam Negeri (IAIN) Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v5i1.3675

Abstract

The zakat management organization (OPZ) is currently making innovations following technological developments, making it easier to pay zakat through digital payments. One of the groups of people who use digital payments is the millennial generation. The millennial generation is also known as the generation that likes things that are easy and related to technology. This study aims to analyze how the millennial generation intends to pay for zakat through digital payments. The method used in this research is logistic regression. The results showed that the variable trust, perception variable, and convenience variable had a significant influence on the intention of the millennial generation to pay zakat through digital payments, while knowledge and motivation had an insignificant effect. This research result implies that OPZ must make a convenient application for the millennial generation in making zakat payments digitally.