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Tingkat Profitabilitas Pembiayaan Mikro dan Metode Economic Value Added: Studi Pada Bank BRI Syariah M Nur Rianto Al Arif; Suci Hanifa
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 microfinance using the economic value-added method. The object of this study is at Bank of BRI Sharia. The result shows that in 2014 had an economic value added  (EVA) of 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 Bank of BRI Sharia should maintain and increase the quality of the financing strategy in microfinance products.
Laku Pandai's Program And Deposit Funds: Study At Bank of BRI Sharia M. Nur Rianto Al Arif; 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 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 the Bank of BRI Sharia. This research is going to examine the effectiveness of Laku Pandai's program to deposit funds in the Bank of BRI Sharia. This study uses 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 the Bank of BRI Sharia. So, it is recommended to add more Islamic banks that implemented the Laku Pandai's program
Evaluation of the Spinoffs Criteria: A Lesson from The Indonesian Islamic Banking Industry M Nur Rianto Al Arif; Nachrowi D Nachrowi; Mustafa Edwin Nasution; T.M. Zakir Mahmud
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 M Nur Rianto Al Arif; Endah Putri Dewanti
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 Stability of the Indonesian Sharia Stock Index to Economic Shocks Faizul Mubarok; Mohammad Nur Rianto Al Arif; Muhammad Arief Mufraini
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.
Determinan Deposito Pada Bank Umum Syariah: Model Regresi Panel M Nur Rianto Al Arif; Hanifah Hanifah
Jurnal Ekonomi Kuantitatif Terapan 2017: Vol. 10, No. 1, Februari 2017 (pp. 1 - 107)
Publisher : Universitas Udayana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (330.432 KB) | DOI: 10.24843/JEKT.2017.v10.i01.p05

Abstract

Deposito merupakan salah satu sumber pendanaan yang dilakukan oleh perbankan syariah. Terdapat banyak faktor yang mempengaruhi volume deposito pada bank syariah. Penelitian ini bertujuan untuk menganalisis faktor-faktor yang mempengaruhi volume deposito pada bank umum syariah. Teknik analisis yang dipergunakan dalam penelitian ini ialah teknik regresi panel dengan model efek acak. Penelitian ini menggunakan data yang berasal dari 10 bank umum syariah di Indonesia. Hasil penelitian menunjukkan bahwa yang memilki pengaruh terhadap volume deposito pada bank umum syariah ialah tingkat bagi hasil, ukuran perusahaan, tingkat profitabilitas, dan tingkat efisiensi operasional. Sedangkan tingkat suku bunga bank umum tidak berpengaruh terhadap volume deposito pada bank umum syariah di Indonesia. Hal ini menunjukkan bahwa bank syariah harus memperhatikan kondisi internal perusahaan, apabila ingin meningkatkan volume dana pihak ketiga terutama deposito.
KETERKAITAN KEBIJAKAN PEMISAHAN TERHADAP TINGKAT EFISIENSI PADA INDUSTRI PERBANKAN SYARIAH DI INDONESIA M. Nur Rianto Al Arif
Jurnal Keuangan dan Perbankan Vol 19, No 2 (2015): May 2015
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (112.808 KB) | DOI: 10.26905/jkdp.v19i2.851

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One way to accelerate the growth of Islamic banks in Indonesia was by applying the policy of separation. Thepurpose of this study was to analyze the relationship between separation policy that had been implementedsince 2008 with the operational efficiency of the Islamic banking industry in Indonesia. The method used wasregression with dummy variables. The variables used in this study were a dummy variable separation,deposits, financing, assets, NPF, margin deposits of one month, and ROA. The result showed that separationpolicy had a relationship with the operational efficiency on Islamic banking industry in Indonesia. This resultimplied that separation policy should have been evaluated because it caused the industry to be less efficientwhen compared with the condition before the separation.
TIPE PEMISAHAN DAN PENGARUHNYA TERHADAP NILAI ASET BANK UMUM SYARIAH HASIL PEMISAHAN M. Nur Rianto Al Arif
KINERJA Vol. 18 No. 2 (2014): Kinerja
Publisher : Faculty of Business and Economics Universitas Atma Jaya Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24002/kinerja.v18i2.528

Abstract

The objective of this research is to analyze the impact of spinoff type to total asset in spinoffs banks.The analysis technique used in this paper is panel regression with fixed effect model. The result shows that thespinoff type didn’t have an influence to total asset in spinoffs banks. This research also shows that the spinoffpolicy is to be evaluated because the economy of scale from the existing Islamic business units is still small. Thespinoff policy is one of the business strategies that can be done to develop the Islamic banking industry, but thispolicy is not the final goal of Islamic banking industry. The most important thing today is to create a healthy andcompetitive Islamic banking industry.Keywords: spinoff type; panel regression; islamic banks, bank asset
Trade Agreement and Economic Growth: Evidence in D-8 Countries Arisman Arisman; Mohammad Nur Rianto Al Arif; Darwis Harahap
Signifikan: Jurnal Ilmu Ekonomi Vol 10, No 2 (2021)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v10i2.21457

Abstract

The D-8 organization was established to accelerate the economies of eight developing countries that joined the OIC, but the data showed a decline in the share of the D-8 countries towards the total GDP of developing countries. Thus, this study examines whether there are differences in economic growth between D-8 and non-D-8 countries. The tests were carried out on eight D-8 member countries and eight non-D8 countries. Using panel regression with a fixed-effect model, the study results indicate differences in economic growth between D-8 and non-D-8 member countries. These results indicate that joining D-8 made a significant contribution to its member countries. In addition, all control variables such as political stability, population, export, and human development index show a positive impact on economic growth.JEL Classification: F13, F14, F43How to Cite:Arisman., Al Arif, M. N. R., & Harahap, D. (2021). Trade Agreement and Economic Growth: Evidence in D-8 Countries. Signifikan: Jurnal Ilmu Ekonomi, 10 (2), 311-324. https://doi.org/10.15408/sjie.v10i2.21457.
PENGARUH PENDIDIKAN TERHADAP PENDAPATAN DOMESTIK REGIONAL BRUTO DI INDONESIA M. Nur Rianto Al Arif
Signifikan: Jurnal Ilmu Ekonomi Vol 3, No. 1, April 2014
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (268.523 KB) | DOI: 10.15408/sigf.v3i1.2062

Abstract

The aim of this research is to analyze the influence of education on gross domestic regional product at 33 provinces in Indonesia. The analysis method that used in this research is multiple regressions with six independent variables such as literacy rate, years of school, enrolment rate 1, enrolment rate 2, enrolment rate 3, and population. The result shown that years of school and population had an influence on gross domestic regional product in Indonesia, and literacy rate, enrolment rate 1, enrolment rate 2, and enrolment rate 3 didn’t have an influence of gross domestic regional product. From this result we can conclude that overall education had an impact on growth in IndonesiaDOI: 10.15408/sjie.v3i1.2062