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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.

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.

DETERMINING THE GROWTH OF SHARIA COMMERCIAL BANK CURRENT ACCOUNT BALANCE AND THE NOMINAL VALUE OF THE BI-RTGS ISLAMIC BANKING TRANSACTIONS Riski Amalia; Moh Mahrus; Dedy Mainata
Tasharruf: Journal Economics and Business of Islam Vol 5, No 2 (2020): December
Publisher : IAIN Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30984/tjebi.v5i2.1143

This study aims to determine the growth of the Sharia Commercial Bank Current Account balance and the nominal value of the BI-RTGS Islamic Banking 2015-2018 transactions, how the impact of the Sharia Commercial Bank Current Account balance at Bank Indonesia on the nominal amount of BI-RTGS Islamic Banking transactions. This research uses a quantitative approach with the associative descriptive method. The population and sample in this study are all Islamic commercial banks that have registered as BI-RTGS participants. The independent variable is the Sharia Commercial Bank Current Account at Bank Indonesia for the 2015-2018 period and the dependent variable is the nominal transaction value of the BI-RTGS Islamic Banking in Indonesia for the 2015-2018 period. The data analysis techniques used are the Classical Assumption Test, Individual Significance Test (t statistical test), and Determination Coefficient Test. The results of the Individual Significant Test (t-statistical test) show that there is a significant influence between the current account balance of Islamic Commercial Banks at Bank Indonesia on the nominal amount of BI-RTGS transactions for Islamic Banking in Indonesia.

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.

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.

Pengaruh Capital Adequacy Ratio (CAR) Terhadap Return On Aset (ROA) Pada Bank Syariah Dedy Mainata; Addien Fahma Ardiani
Al-Tijary AL-TIJARY, Vol. 3, No. 1, Desember 2017
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Penelitian ini bertujuan untuk mengetahui apakah ada pengaruh capital adequacy ratio (CAR) terhadap return on assets (ROA) pada perusahaan Perbankan Syariah periode tahun 2012 hingga tahun 2016. Populasi dalam penelitian ini sebanyak 9 perusahaan perbankan syariah. Jenis penelitian ini adalah penelitian kuantitafif dengan menggunakan sumber data sekunder yaitu laporan keuangan tahunan perusahaan perbankan syariah dan jurnal-jurnal penelitian terdahulu. Teknik analisis yang digunakan adalah analisis regresi sederhana. Berdasarkan hasil penelitian, diketahui bahwa Variabel Capital Adequacy Ratio tidak berpengaruh signifikan terhadap profitabilitas perusahaan perbankan syariah, hal ini dibuktikan dengan uji tdengan nilai signifikansi 0,003 < 0,05 dimana tingkat signifikan lebih kecil dari level alpha sebesar 0,05 yang berarti ada hubungan atau pengaruh CAR (X) terhadap ROA (Y)

Analytical Tools dan SWOT Analysis Penggunaan M-Banking Perbankan Syariah di Indonesia Dedy Mainata
Al-Tijary Al-Tijary Vol. 3, No. 2, Juni 2018
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

The current shift in banking services is focused in banking technology. Similarly, this is also happening to sharia banking in Indonesia. Banking technology is one of the services that are favored by sharia banking in the competition to attract customers. M-Banking services is one of the products being offered by sharia banking technology, providing the costumer with the highest and newest developments in technology. This goes together with the increasing demand for easier procedures.The significant development of M-Banking services in sharia banking in Indonesia helps evaluating the customers' satisfaction with a specific product. Through M-Banking SWOT analysis, it is expected that the quality of banking services can be improved. This paper aims to analyze more deeply about the strengths, weaknesses, opportunities, and threats (SWOT) of M-Banking services of sharia banking in Indonesia.The strengths of M-Banking banking services are cost-effective, time-saving, attractive features, easy to operate, easy to download, interesting promo, Islamic content info. Weaknesses of M-Banking services in sharia banking are slow data access speed, insufficient Security, network limitations, the lack of accessibility and performance by all customers, and M-Banking functionality still under development process. The outstanding points of M-Banking of sharia banking are the development of performance, functionality and bandwidth of M-Banking server which have the potential to increase the number of customers. In conclusion, main challenges regarding M-Banking are the competition between banks, the relationship between the confidentiality of customer data and its possible misuse by employees or hackers, accessibility, effectiveness and efficiency of the product, as well as improvement of functionalities and performance of M-Banking service.

Unit Usaha Syariah pada Perbankan Syariah: Tinjauan Pustaka dengan Bibliometrik Dedy Mainata
Al-Tijary AL-TIJARY VOL. 7, NO. 1, DESEMBER 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda

Islamic Banking Window have a good level of comparison and contribute to government policies in changing from Islamic business units to Islamic commercial banks. This study aims to find out which countries and their relationships with publications can be used as benchmarks for future research and present the findings of the most authored articles and provide direction for future research with the theme of Islamic Banking Window. This paper quantitatively analyzes the literature on Islamic Banking Window, as represented by English-language 60 articles from the Scopus database with a time span from 2008 to 2021. Using a bibliometric approach plus content analysis. We find that Malaysia is the most relevant country, Universiti Kebangsaan Malaysia (UKM) the most relevant institution and the International Journal of Islamic and Middle Eastern Finance and Management and Journal of Islamic Accounting and Business Research the most relevant journal. There are two main topics: (1) general studies on the Islamic banking window and (2) practical implications. We also offer future research directions.

INTERMEDIATION OF ISLAMIC COMMERCIAL BANKS IN REAL TIME GROSS SETTLEMENT TRANSACTIONS OF ISLAMIC BANKING IN INDONESIA Muhamad Halik; Akhmad Nur Zaroni; Dedy Mainata
Journal of Management and Islamic Finance Vol. 2 No. 1 (2022): Journal of Management and Islamic Finance
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jmif.v2i1.5183

BI-RTGS is transferring funds with an essential function in the payment system and third-party funds as a factor to meet the current account balance which is a condition for BI-RTGS transactions. Bank financing is considered to be able to affect the number of BI-RTGS transactions. This research used 14 Islamic commercial banks registered as BI-RTGS participants. The results show that Islamic Commercial Bank Third Party Funds have a partial effect on the nominal amount of BI-RTGS transactions. Islamic Commercial Bank Financing has a partial effect on the nominal amount of BI-RTGS transactions. Third Party Funds and Islamic Commercial Bank Financing simultaneously affect the nominal amount of BI-RTGS transactions. In the determination coefficient test, the R Square value of third-party funds is 11.3% and financing is 4.1%. This means that the influence of third party funds is greater than the amount of the influence of financing on the nominal amount of BI-RTGS transactions in Islamic Banking in Indonesia.

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