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Pengaruh Pertumbuhan Asuransi Syariah terhadap Pertumbuhan Ekonomi Indonesia Mainata, Dedy; Pratiwi, Angrum
International Journal Ihya' 'Ulum al-Din Vol 21, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang, Indonesia

This study aims to determine the effect of growth in Islamic insurance on economic growth. By using secondary data sources, secondary data in the form of total Islamic insurance assets during 2015-2017 originated from the report of the Non Islamic Bank Financial Industry in the official website. This study analyzes the influence of the growth variables of Islamic insurance on economic growth. With the Independent variable in this study is the growth of Islamic insurance with total assets as an indicator (X). And the dependent variable in this study is Indonesia's economic growth using the indicator Gross Domestic Product (GDP) or Gross Domestic Product (GDP) (Y). The results of the study show that the growth variables of Islamic insurance have an effect on Indonesia's economic growth.

Perbandingan Kinerja Perusahaan Dengan Pendekatan Balanced Scorecard Pada BPR Syariah Angrum Pratiwi
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 11, No 1: June 2015
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/aiijis.2015.0045.96-124

This research aims to discover the progress of BPRS in Yogyakarta by using balanced scorecard (BSC) approach. BSC is a concept of management that help to translate the company strategy into company activities. There are four aspects to be evaluated in the BSC: financial prospective, consumen, internal business, growth and learning. This research is a descriptive and comparative research. The author conducted fieldwork in two BPRS, which are BPRS Barokah Dana Sejahtera and BPRS Bangun Drajat Warga. The research sampel comprises financial aspect (fi- nancial report of 2012-2014); consumen aspect (400 respondents); growth and learning (69 respondents); and internal bussiness aspect (questioner and interview). There is not much difference between the two BPRS in their financial, consumen, growth and learning, and internal bussiness aspects. Yet, there is differences between the two in their NPF, KPMM, FDR, finance, profit–sharing, and DPK. In a nutshel, the research result shows that BPRS Barokah is greater in its growth thaks to a solid team work

Pengaruh Pertumbuhan Asuransi Syariah terhadap Pertumbuhan Ekonomi Indonesia Dedy Mainata; Angrum Pratiwi
International Journal Ihya' 'Ulum al-Din Vol 21, No 1 (2019)
Publisher : Universitas Islam Negeri (UIN) Walisongo Semarang, Indonesia

This study aims to determine the effect of growth in Islamic insurance on economic growth. By using secondary data sources, secondary data in the form of total Islamic insurance assets during 2015-2017 originated from the report of the Non Islamic Bank Financial Industry in the official website. This study analyzes the influence of the growth variables of Islamic insurance on economic growth. With the Independent variable in this study is the growth of Islamic insurance with total assets as an indicator (X). And the dependent variable in this study is Indonesia's economic growth using the indicator Gross Domestic Product (GDP) or Gross Domestic Product (GDP) (Y). The results of the study show that the growth variables of Islamic insurance have an effect on Indonesia's economic growth.

SPIN-OFF SHARIA BANKING IN INDONESIA: CALCULATION PROJECTION AND CRITICAL STUDY REGULATION Angrum Pratiwi; Fitra Rizal; Dedy Mainata
Kodifikasia: Jurnal Penelitian Islam Vol 15, No 2 (2021)
Publisher : IAIN PONOROGO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/kodifikasia.v15i2.2722

Undang-undang Perbankan Syariah No. 21 Tahun 2008 menyebutkan bagi Bank Umum Konvensional (BUK) yang memiliki Unit Usaha Syariah (UUS) dengan nilai aset telah mencapai paling sedikit 50% dari total nilai aset bank induknya atau 15 (lima belas) tahun sejak berlakunya Undang-undang wajib menjadi Bank Umum Syariah (BUS). Dalam Roadmap Pengembangan Perbankan Syariah Tahun 2020-2025 terkait Perizinan, Pengaturan dan Pengawasan, OJK tidak menjelaskan kesiapan UUS untuk spin off dari Bank Induk Konvensional menjadi BUS. Penelitian ini bertujuan mengkritisi kebijakan pemerintah terkait perubahan UUS menjadi BUS, serta memberi masukan untuk merevisi Undang-undang Perbankan Syariah terkait perubahan UUS menjadi BUS. Penelitian ini menggunakan metodologi penelitian kuantitatif dengan pendekatan deskriptif. Hasil Penelitian menunjukkan bahwa Unit Usaha Syariah (UUS) bisa berubah menjadi Bank Umum Syariah (BUS) pada tahun 2034 bukan pada tahun 2023. Peraturan dan regulasi terkait teknis operasional persiapan transmisi pemisahan UUS menjadi BUS, perlu diperkuat kembali dan dipertegas dengan peraturan yang baru. [Sharia Banking Law No. 21 of 2008 states that Conventional Commercial Banks (BUK) that have Sharia Business Units (UUS) with asset values have reached at least 50% of the total asset value of their parent bank or 15 (fifteen) years since the enactment of the Law are obliged to become Commercial Banks. Sharia (BUS). In the 2020-2025 Sharia Banking Development Roadmap related to Licensing, Regulation and Supervision, OJK did not explain the readiness of UUS to spin off from a Conventional Parent Bank to become a BUS. This study aims to criticize government policies regarding the change of UUS to BUS, as well as to provide input for revising the Sharia Banking Law regarding the change from UUS to BUS. This research is a quantitative research with a descriptive approach. The results showed that the Sharia Business Unit (UUS) could turn into a Sharia Commercial Bank (BUS) in 2034 instead of 2023. Regulations and regulations related to the technical operational preparation for the transmission of separation of UUS into BUS, need to be strengthened and reinforced with new regulations.]

Studi Kelayakan Bisnis Pendirian Bank Pembiayaan Rakyat Syariah (BPRS) di Kalimantan Timur Dedy Mainata; Angrum Pratiwi
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 10, No 2 (2020)
Publisher : Universitas Alma Ata

The economy of East Kalimantan as a whole is growing rapidly, however, this was not accompanied by the development of a Sharia Rural Bank (BPRS). This study aims to determine the feasibility of establishing a BPRS in East Kalimantan in terms of financial, marketing, social, economic, and cultural aspects as well as to find out which municipalities are feasible to establish BPRS. This type of descriptive qualitative research, the sample used in Balikpapan and Samarinda, the data collection techniques used observation and interviews. The results showed that the financial aspects of the BPRS were feasible to establish. NPV and IRR calculations show that the investment in the establishment of the BPRS is feasible. The market aspect looks at the potential of GRDP, population and purchasing power. The marketing aspect sees the potential growth of SMEs, business fields and the number of SMEs. Market segmentation and the target market for BPRS are SMEs engaged in trade and culinary. The economic aspect has an impact on regional income, the ease in providing cheap funds for SMEs, opens up community jobs. The social and cultural impact of the community being educated about banking. Balikpapan and Samarinda have great potential for the establishment of a BPRS. Samarinda is the most feasible to establish a BPRS.

Pengaruh Kualitas Penerapan Good Corporate Governance (GCG) terhadap Kinerja Keuangan pada Bank Umum Syariah di Indonesia (Periode 2010-2015) Angrum Pratiwi
Al-Tijary Al-Tijary, Vol. 2, No. 1, Desember 2016
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

The purpose of this study to determine the effect of the application of Good Corporate Governance (GCG) on financial performance as measured by the ratio of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Assets (ROA), Return on Equity (ROE), Net Income Margin (NIM), Financing Deposits ratio (FDR), and the ratio of Operating Expenses and Operating Income (ROA) at the Islamic Banks. The study population was the whole Islamic Banks that have implemented GCG according to the rules of Bank Indonesia. This research is associative to see the relationship between the variables of one another. The data used are secondary data from the annual report and corporate governance report published by respectively Islamic Banks 2010-2016 period. Samples collected are 10 Islamic banks by the number N = 60. The results showed that the application of GCG is based on data collected had an average of 1:55 to 2:20 that enter into the category of "Good". This means that the quality of GCG implementation in accordance with the BUS 11 indicators that have been set by Bank Indonesia. The results of the t test (partial test) showed that the quality of GCG implementation significant positive effect on the CAR, NPF and ROA. The quality of GCG implementation negatively affects the ROA and ROE significantly. While the statistical test results apparently GCG implementation does not affect the performance ratio of NIM and FDR.

Peran Sukuk Negara dalam Pembiayaan Infrastruktur Rizky Suci Ramadayanti; Dedy Mainata; Angrum Pratiwi
Al-Tijary Al-Tijary, Vol. 2, No. 2, Juni 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Sukuk are securities issued under sharia principles, as evidence of the participation in the State Sharia Securities/Surat Berharga Syariah Negara (SBSN) assets, either in rupiah or foreign currency. Sukuk is a proportional representation of ownership of an asset for a certain period of time with risksand returns associated with cash flow through underlying asset in the hand of investors. This paper describes the overview of the role of sukuk in infrastructure financing in Indonesia. Sukuk has played a significant role for infrastructure development in Indonesia. Indonesia’s infrastructure budget allocation gradually increased. A number of projects listed in the Anggaran Pendapatan dan Belanja Negara (APBN) are selected specially financed by sukuk. Since the issuance of project financing sukuk has doubled until this year. This is an important concern for the government that sukuk turned out to be an important financial instrument in Indonesia’s infrastructure development.

Daya Tarik E-Banking di Kalangan Civitas Akademika Institut Agama Islam Negeri Samarinda Angrum Pratiwi
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Electronic banking (E-Banking) adalah salah satu aktivitas perbankan yang dilakukan nasabahnya melalui fasilitas internet. Cara ini diciptakan oleh bank untuk melayani kebutuhan nasabah agar lebih nyaman bertransaksi dimanapun mereka berada. E-Banking memberikan kemudahan dan kenyamanan kepada nasabahnya dengan fasilitas pelayanan pembayaran melalui saluran elektronik, Seperti melalui transfer rekening dan auto debet. Cara ini cukup efektif dan efisien mengingat masyarakat semakin disibukkan dengan segala aktivitasnyaTujuan penelitian ini yaitu mengetahui sejauh mana daya tarik civitas akademika IAIN Samarinda dalam menggunakan E-Banking dan faktor dominan yang membuat civitas akademika IAIN Samarinda menggunakan E-Banking. Jenis penelitian dalam penelitian ini adalah jenis penelitian deskriptif, Sampel penelitian bersifat purposive sampling, jumlah sampel yang berhasil dihimpun yaitu 173 responden.Daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, berdasarkan hasil jawaban identitas responden mayoritas menggunakan aplikasi ATM, hampir 120 responden yang menggunakannya. Sedangkan, pilihan bank sebesar 61% menggunakan bank konvensional. Frekuensi penggunaan aplikasi E-Banking 1-4 kali dalam sebulan dan mayoritas responden berumur 17-30 tahun. Enam variabel yang ada, tiga diantaranya yaitu Interaction, Accessibility, dan Adequacy of Indormation responden menjawab sangat setuju dan setuju dari pertanyaan yang diajukan.Faktor yang mendominasi daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, yaitu pertama: Interaction sebesar 29%, kedua: Accessibility sebesar 27% dan ketiga: Adequacy of Indormation sebesar 13%. Dapat peneliti tarik kesimpulan, faktor dominan daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda dipengaruhi tiga aspek tersebut.

Spin-Off Islamic Banking Window In Indonesia Dedy Mainata; Parno Parno; Angrum Pratiwi; Irfan Irfan
Al Qalam: Jurnal Ilmiah Keagamaan dan Kemasyarakatan Vol. 17, No 1 : Al Qalam (Januari 2023)
Publisher : Sekolah Tinggi Ilmu Al-Qur'an (STIQ) Amuntai Kalimantan Selatan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35931/aq.v17i1.1898

This article provides a discussion of some of the issues associated with Spin Off and areas that have not been critically discussed in the literature. Regulations in Indonesia require all Islamic Banking Windows to separate from their parent banks if the value of their assets reaches 50 percent of the total assets of their conventional banks or at least 15 years after the issuance of the regulation. This study is to find out how the Islamic Banking Windows spin-off is carried out, the reasons, readiness, impact, as well as criticism, suggestions and solutions to the spin-off policy. This qualitative research uses secondary data such as books, journals, articles by describing the spin-off problems comprehensively. We found 2 spin-off methods: establishing a new Islamic Commercial Bank (BUS) or transferring Islamic Banking Windows (UUS) rights and obligations to an existing BUS. A spin-off is important to do so that there is no mixing between conventional and Islamic so that there will be the development of purer Islamic products and increase customer trust and so that management is more independent in accordance with their respective businesses and can develop and compete. We also found a positive impact from the spin-off, namely increasing revenue, and accelerating the development and market share of BUS in Indonesia. The negative impact of spin-offs reduces the level of efficiency, the restructuring has not been properly controlled, the availability of networks and infrastructure is not adequate, and the stress of employees due to different leadership styles, organizational culture, or company orientation. Lastly, we find that UUS is not ready to do a spin-off before 2023 with the main problem, the capital. We suggest that regulators postpone their mandatory spin-off policy by 2023 and suggest other options such as mergers or conversions.

MEASURING THE PERFORMANCE OF ISLAMIC BANKS THROUGH RISK PROFILE, EARNING, AND CAPITAL Bambang Iswanto; Angrum Pratiwi; Idhafiyyah Anwar
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 15 No 1 (2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v15i1.4631

The emergence of COVID-19 as a global pandemic has impacted slowing economic growth, which has also affected regional financial and banking stability in East Kalimantan. This study aims to describe the results of measuring the performance of Islamic Commercial Banks using the risk profile, earning & capital method. The research population is Islamic banks operating in the Samarinda area of â€‹â€‹East Kalimantan, and the research sample selection is purposive sampling. The study results show that the measurement in terms of the risk profile aspect shows an average rating of 2, "Good," and 3, "Fair enough." While the average rating on the FDR ratio is rated 2, "Good," a rating of 3 is "Enough Good," and a rating of 1 is "Very Good." Furthermore, in terms of earning assessment, by looking at the ROA, ROE, and BOPO ratios after being ranked, the results show that ROE and BOPO ratios rank 4 and 5. In contrast, NOM is rated 1, while the ROA ratio continues to fluctuate from rank 1 to rank 5, meaning that bank performance Sharia law differs in generating returns on assets. This is a note, as well as opportunities and challenges for banks to be able to compete with other banks. Furthermore, capital assessment is rated "Very Good," which means that it has met the standards set by Bank Indonesia and the Financial Services Authority.

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