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All Journal International Journal of Evaluation and Research in Education (IJERE) Journal of Education and Learning (EduLearn) INFERENSI al-Uqud : Journal of Islamic Economics MATAPPA: Jurnal Pengabdian Kepada Masyarakat Shirkah: Journal of Economics and Business Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat IJISH (International Journal of Islamic Studies and Humanities) Al Maal: Journal of Islamic Economics and Banking AKM: Aksi Kepada Masyarakat Cakrawala: Jurnal Studi Islam

Riduwan Riduwan

Universitas Ahmad Dahlan

Author-ID : 2660583

Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences Other

Published : 13 Documents Claim Missing Document

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Contribution of macroprudensial policy of central bank on microprudensial Islamic banking Riduwan Riduwan; Rofiul Wahyudi
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 11, No 2 (2017)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v11i2.291-308

The purpose of this research will be to answer the contribution of the macroprudential policy of Central Bank to the microprudential of islamic banking during the period of January 2008 - February 2016. The method used by quantitative analysis with panel data regression to be able to describe macroprudential policy contribution to FDR of islamic banking in Indonesia. Macroprudential policy instruments use Loan-to-Value Ratio (LTR), Statutory Reserves (GWM) based on Loan-to-Funding Ratio (LFR) and Countercyclical Capital Buffer (CCB). The islamic bankingmicroprudential instrument used is Financing to Deposit Ratio (FDR). The result shows that macroprudential policy contribution through LTV instrument to FDR has negative and significant influence. Statutory Reserves based on LFR on FDR have a positive and significant influence and CCB on FDR of Indonesia’s islamic banking shows negative and significant influence.

Analysis of Customer Preferences and Satisfaction toward Sharia Bank Services in Indonesia during the Covid-19 Pandemic Riduwan Riduwan; Akhmad Arif Rifan; Muhammad Shulthoni; Muhammad Irwan Ariffin
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 15, No 2 (2021)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v15i2.257-276

Islamic banks are one of the financial industries affected by the covid 19 pandemic. The inability to pay their obligations to Islamic banks and deposit withdrawals directly impacts the decline in customer business. This condition increases the risk of Islamic banks so that the ability of Islamic banks is needed to maintain customer loyalty. This study aims to analyze customer preferences and satisfaction with Islamic banking services during the pandemic.The data analyzed is primary data with 308 Islamic bank customers as respondents. Determination of the sample using the purposive sampling method with the criteria of the management of Islamic social organizations has been a customer since before the pandemic and made transactions during the pandemic. The data analysis uses the Importance Performance Analysis (IPA) method with the Carter approach (Compliance, Assurance, Responsiveness, Tangible, Empathy and Reliability).The results showed that compliance and assurance have a high level of performance with high preferences and satisfaction. Meanwhile, people's preferences are low, and satisfaction is low because their performance is also low in the tangible and reliability aspects. Another finding is that customers have high preferences but low satisfaction because their performance is typical responsiveness, and people have low preferences. Still, high satisfaction lies in the reliability and empathy aspects.

PENGUATAN FUNGSI DPS DALAM IMPLEMENTASI PRINSIP SYARIAH PADA BTM DAN BMT MILIK MUHAMMADIYAH DAERAH ISTIMEWA YOGYAKARTA Riduwan Riduwan; Priyono Puji Prasetyo; Mufti Alam Adha
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2018)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jp.v2i2.385

Lahirnya Baitut Tamwil Muhammadiyah (BTM) atau Baitul Maal wa Tamwil (BMT) di lingkungan Muhammadiyah menjadi bagian penting dalam kemandirian ekonomi Muhammadiyah. BTM dan BMT merupakan lembaga keuangan mikro dengan prinsip syariah. Kegiatan utamanya terdiri pada dua bidang, yaitu bidang sosial (Baitul Maal) dan bidang bisnis (Baitul Tamwil). Sebagai lembaga keuangan Syariah, BTM dan BMT harus mendapat pengawasan yang layak, yang dilakukan oleh Dewan Pengawas Syariah. Kegiatan pengabdian kepada masyarakat dilakukan pada hari Jumâ€™at dan Sabtu, tanggal 23-24 Maret 2018 yang bertempat di Aula Gedung PWM, Gedong Kuning, Yogyakarta. Peserta yang mengikuti kegiatan pengabdian ini berjumlah 45 orang yang berasal dari berbagai BTM dan BMT milik Muhammadiyah di Daerah Istimewa Yogyakarta. Peserta yang mengikuti pelatihan merupakan Dewan Pengawas Syariah dan Pengurus pada BMT dan BTM tersebut.

PELATIHAN PENGAWAS KOPERASI SYARIAH BERSERTIFIKASI DI DAERAH ISTIMEWA YOGYAKARTA Rofiul Wahyudi; Riduwan Riduwan; Akhmad Arif Rifan
Jurnal Pemberdayaan: Publikasi Hasil Pengabdian Kepada Masyarakat Vol. 3 No. 3 (2019)
Publisher : Universitas Ahmad Dahlan, Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/jp.v3i3.757

Dewan Pengawas Syariah (DPS) di Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) yang bersertifikasi jabatan pengawas syariah menjadi kebutuhan yang mendesak. Hal ini disebabkan terbatasnya jumlah DPS yang bersertifikasi di lembaga keuangan mikro syariah. Oleh karena itu, kegiatan ini bertujuan memberikan pelatihan sebagai bekal bagi Dewan Pengawas Syariah di Daerah Istimewa Yogyakarta dalam menjalankan tugas dan wewenangnya. Metode pelatihan ini menggunakan klasikal dengan menerapkan kombinasi metode: ceramah, diskusi dan role play. Hasil pelatihan menunjukkan bahwa adanya peningkatan pemahaman DPS terhadap aspek kesyariahan.Â

Settlement of Non-Performing Financing without Collateral: An Analytical Study on Islamic Rural Banks Riduwan Riduwan; Dwi Santosa Pambudi; Muhammad Alfian Lukluk Firdausi; Nurul Huda
Cakrawala: Jurnal Studi Islam Vol 16 No 1 (2021)
Publisher : Universitas Muhammadiyah Magelang

Financing through Islamic banks carries a high risk of not being paid according to the contract's terms. As a result, Islamic banks must adhere to a stricter prudence standard. This research looks at the problem-solving model of non-collateral financing, which is influenced by both internal and external factors and carries a higher risk because the client lacks a material legal bond. The research sample consisted of 30 Indonesian Islamic Rural Banks' (BPRS) directors and commissioners. Questionnaires and in-depth interviews were used to collect data, which was then analyzed using content analysis techniques. The findings of this study show that the non-performing financing settlement model is implemented with early business assistance and then followed by financing relaxation. If no solution is found or the client declares bankruptcy, they may be released with a write-off using reserve funds from the account of writing off accounts receivable or social funds.

Islamic Social Reporting Disclosure of Sharia Commercial Banks in Indonesia: A Form of Social Responsibility Riduwan Riduwan; Lu’liyatul Mutmainah; Rofiul Wahyudi
Shirkah: Journal of Economics and Business Vol 5, No 3 (2020)
Publisher : IAIN Surakarta

Sharia industry development encourages experts to design Corporate Social Responsibility (CSR) disclosure index that is more compatible with the characteristics of sharia-based corporate. However, studies examining CSR disclosure using Islamic Social Reporting (ISR) index that focuses on detailed results of content analysis from time to time still remains a paucity of evidence. Hence, this study aims to examine the practice of Islamic Social Reporting disclosure of sharia commercial banks in Indonesia. Drawing on the data obtained from CSR reports established by sharia banks in Indonesia, the results of content analysis disclosed that the ISR disclosure showed a fluctuating trend. It was also revealed that the six themes of ISR index have not been optimally disclosed. ISR disclosures of sharia banks in Indonesia were categorized as good since the average disclosure reached 50% in 2015 up to 2017, especially the corporate governance disclosure. This study’s results imply that it is necessary to increase the disclosures that can be strengthened by regulations from financial regulators and Islamic banking associations to increase public trust and value-added of sharia commercial banks. This study contributes to the development of sharia banks as fruitful insights on policy recommendations for Islamic banks' top management.

An Analysis of the COVID-19 Impact on Business and Social Performance of Islamic Micro-Financial Institutions Riduwan Riduwan; Rofiul Wahyudi; Dwi Santosa Pambudi Pambudi; Ahmad Arif Rifan
IJISH (International Journal of Islamic Studies and Humanities) Vol. 5 No. 2 (2022): October
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26555/ijish.v5i2.6513

Islamic micro-financial institutions (LKMS) provide services for micro businesses in the form of deposits, financing, and social assistance as the main activities. The COVID-19 pandemic engenders an adverse impact, breeding members’ inabilities to measure up to their duties. The inabilities are regretted as LKMS should have also been able to assist its members in sustaining as a form of social responsibility. The research aims to prove paradoxes in business and social performance. We applied a descriptive quantitative approach to a secondary data analysis of business and social performance reports during the COVID-19 pandemic until 2021. The research population covered 154 members of the Islamic cooperative parent, and the samples were 51 LKMS in the Islamic cooperative center. Conclusions were drawn from data analysis using stakeholder and stewardship theories. The results demonstrated that the COVID-19 pandemic incurred negative impacts, i.e., a decreased business performance of LKMS of 8.4% on average for two years. Meanwhile, another finding exhibited an increase in social performance by 27%. Based on the data, we could argue that a decrease in LKMS business performance bred an increase in social performance.

Financial stability in Indonesian Islamic banking using Z-Score: Before and during Covid-19 Moh Alfiyan; Rofiul Wahyudi; Maimunah Binti Ali Maimunah; Riduwan Riduwan
al-Uqud : Journal of Islamic Economics Vol. 7 No. 1 (2023): January
Publisher : Universitas Negeri Surabaya

This study aims to analyze the level of comparison of the financial stability of Islamic banking in the period before and during the Covid-19 pandemic. This study uses a paired T-test by taking samples of 13 Islamic Commercial Banks that publish financial reports regularly on the website of OJK in quarter I 2019 – quarter IV 2020. The results explain that Z-Score, BOPO, NPF, HHI, GDP and Inflation have no differences in the average level before pandemic compared to during the Covid-19 pandemic. Then FDR, Bank Size and BI Rate have differences in the average level before pandemic compared to during the Covid-19 pandemic. The results of the comparative analysis of the financial stability of Islamic banking before the Covid-19 pandemic compared to during the Covid-19 pandemic through the Z-Score analytical explained that Islamic banks were more stable before the pandemic, but still had good stability during the Covid-19 pandemic.

Pengaruh Pengetahuan Masyarakat Tentang Produk, Pelayanan dan Lokasi Bank Dalam Memilih Jasa Bank Syariah di Kota Yogyakarta Anisa Yuri; Mufti Alam Adha; Riduwan Riduwan
Al Maal: Journal of Islamic Economics and Banking Vol 4, No 2 (2023)
Publisher : Prodi Perbankan Syariah FAI UMT

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31000/almaal.v4i2.6854

AbstractThis study aims to test whether the variables of product knowledge, service knowledge, and knowledge of banking locations affect choosing Islamic bank services. This research was conducted using a quantitative methodology. Using a questionnaire and the research population is the people of Yogyakarta City. In this study, the sample uses purposive sampling with the criteria that people use Islamic bank services. Furthermore, in this study the data analysis used multiple linear regression analysis with an analytical tool, namely SPSS Version 23. The results illustrated that simultaneously the variables affected choosing Islamic bank products, namely F arithmetic 27.680 > 3.09 (F table). Partially the service knowledge variable with t count of 1.546 < 1.984 (t table) and location knowledge with t count of 1.635 < 1.984 (t table) do not affect choosing Islamic bank products.Keywords: Knowledge, Product, Service, Location, Islamic Bank.

Pendampingan Implementasi Manajemen Risiko Pada Bank Pembiayaan Rakyat Syariah (BPRS) Bangun Derajat Warga Gita Danupranata; Riduwan Riduwan; Muhammad Khairudin Hamsin
MATAPPA: Jurnal Pengabdian Kepada Masyarakat Volume 5 Nomor 4 Tahun 2022
Publisher : STKIP Andi Matappa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31100/matappa.v5i4.2210

Kegiatan pengabdian pendampingan implementasi manajemen risiko pada BPRS BDW bertujuan untuk menyiapkan kompetensi sumber daya insani sehingga mampu menyusun kebijakan manajemen risiko dan implementasinya. Metode pendampingan dilakukan dengan workshop, forum grup diskusi, serta monitoring dan evaluasi hasil. Materi workshop meliputi manajemen risiko bank syariah, dan kepatuhan syariah. Sedangkan hasil workshop dikaji lebih mendalam melalui forum grup diskusi yang diikuti oleh pendamping, direksi, komisaris dan pejabat kepala devisi bank syariah. Proses monitoring dan evaluasi digunakan untuk mengukur ketercapaian hasil pendampingan. Hasil pendampingan manajemen risiko dapat dilihat dari meningkatnya pengetahuan semua karyawan, dan pengurus bank syariah,serta terumuskanya kebijakan manajemen risiko yang meliputi risiko pembiayaan, likuiditas, operasional,Â risiko kepatuhan dan risiko imbal hasil. Hasil yang lain menunjukkan adanya komitmen bersama dalam membangun budaya sadar risiko

Co-Authors Ahmad Arif Rifan Akhmad Arif Rifan Akhmad Arif Rifan Anisa Yuri Danupranata, Gita Dwi Santosa Pambudi Dwi Santosa Pambudi Pambudi Lina Handayani Lu’liyatul Mutmainah Maimunah Binti Ali Maimunah Moh Alfiyan Mufti Alam Adha Muhammad Alfian Lukluk Firdausi Muhammad Irwan Ariffin Muhammad Khairudin Hamsin Muhammad Shulthoni Nurul Huda Nuryana, Zalik Priyono Puji Prasetyo Rofiul Wahyudi Rofiul Wahyudi Rofiul Wahyudi Rofiul Wahyudi Siti Mujibatun Suyadi, Suyadi

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