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Determinants of Risk in Indonesian Islamic Banking: An Empirical Investigation Haryanto, Sugeng; Safriliana, Retna; Ridloah, Siti; Ariefudin, Muhammad Umar; Khotimah, Lidia Khusnul
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20758

Abstract

Islamic banking has witnessed significant growth globally, including in Indonesia, with expansions in both fund mobilization and financing activities. This study analyzes the determinants of risk in Indonesian Islamic banks from 2009 to 2022, focusing on the effects of financing-to-deposit ratio (FDR), financing growth, efficiency, company size, capital adequacy ratio (CAR), and third-party fund (DPK), on non-performing financing (NPF). Utilizing unbalanced panel data and multiple linear regression, the research finds that financing growth and efficiency have negligible effects on risk. In contrast, FDR, company size, CAR, and DPK significantly influence it. Higher FDR is linked to increased risk, while larger banks and higher CAR are associated with reduced risk. The results suggest that Islamic banks should balance financing and deposits to manage risk effectively and emphasize the importance of efficient operations and sustainable growth. This research is limited to the internal aspects of banks as determinants of FDR. Future research could examine external factors and alternative risk measures to deepen the understanding of risk in Islamic banking.==============================================================================================================ABSTRAK – Determinan Risiko Perbankan Syariah di Indonesia: Suatu Kajian Empiris. Perbankan syariah mengalami pertumbuhan yang signifikan secara global, termasuk di Indonesia, terutama dalam hal mobilisasi dana dan aktivitas pembiayaan. Studi ini menganalisis faktor-faktor penentu risiko pada perbankan syariah di Indonesia periode 2009 - 2022. Secara spesifik, kajian ini menguji pengaruh FDR, pertumbuhan pembiayaan, efisiensi, ukuran perusahaan, CAR dan DPK terhadap pembiayaan bermasalah. Dengan menggunakan data panel tidak seimbang (unbalance) dan regresi linier berganda, penelitian ini menemukan bahwa pertumbuhan pembiayaan dan efisiensi tidak memiliki pengaruh yang signifikan terhadap risiko. Sebaliknya, FDR, ukuran perusahaan, CAR, dan DPK memberikan pengaruh yang signifikan terhadapnya. FDR berkorelasi positif dengan peningkatan risiko, sementara ukuran perusahaan dan CAR berkorelasi negatif dengan pengurangan risiko. Kajian ini menyarankan agar bank-bank syariah menyeimbangkan antara pembiayaan dengan simpanan sehingga dapat mengelola risiko secara efektif dengan penekanan pada efisiensi operasional dan pertumbuhan berkelanjutan. Penelitian ini dibatasi pada aspek internal bank sebagai determinan FDR. Penelitian selanjutnya dapat mengkaji faktor-faktor eksternal dan ukuran risiko alternatif untuk memperdalam pemahaman tentang risiko dalam perbankan syariah.
Memasyarakatkan Bunga Telang Sebagai Pewarna Alami Pembuatan Makanan Dan Minuman Di Desa Yamli Kec. Gane Barat Selatan Halmahera Selatan Arifin, Tuti Handayani; Suwarno, Kuwad; Soenarsih DAS, Sri; Haryanto, Sugeng; Syafi, Sartika; Melati, Rima; Mandea, Abd. Rahmat; ., Suleyman; Darmawan, M.
Jurnal Pengabdian Khairun Vol 3, No 2 (2024)
Publisher : Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/jepk.v3i2.9073

Abstract

Bertujuan untuk memasyarakatkan bunga telang (Clitoria ternatea) sebagai pewarna alami dalam pembuatan makanan dan minuman di Desa Yamli, Kecamatan Gane Barat Selatan, Kabupaten Halmahera Selatan Program Studi Agroteknologi Fakultas Pertanian Universitas Khairun melalui pendekatan partisipatif, kegiatan ini melibatkan masyarakat lokal untuk memahami manfaat dan teknik pengolahan bunga telang sebagai pewarna. Capaian dari kegiatan ini menunjukkan bahwa bunga telang dapat diterima sebagai bahan pewarna alami yang menarik dan sehat, serta memiliki prospek untuk dikembangkan dalam produk makanan dan minuman lokal. Diharapkan bahwa pengenalan bunga telang sebagai pewarna alami ini tidak hanya meningkatkan nilai ekonomi masyarakat setempat, tetapi juga mengurangi ketergantungan pada pewarna sintetis yang berpotensi berbahaya bagi kesehatan.
Efficiency and Rentability of Islamic Banks in Indonesia Haryanto, Sugeng; Bachtiar, Yanuar; Khotami, Wildani
INOVATOR Vol 9 No 1 (2020): MARET
Publisher : prodima@fe.uika-bogor.ac.id

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/inovator.v9i1.2972

Abstract

This study aims to analyze the influence of macroeconomic factors, efficiency, risk, financing to deposit ratio and CAR on the rentability of Islamic banks. This research is a quantitative descriptive. The study period was conducted in 2010-2019, with quarterly data. The data source is secondary data. Data collection techniques are done by documentation. Data is taken from www.ojk.go.id and www.bi.go.id. The type of data used is quantitative data. The research variables are rentability, efficiency, financing risk, FDR, Capital Adequacy Ratio (CAR) and macroeconomic data in the form of GDP and inflation. Rentability is measured by Nett operating margin (NOM), bank efficiency is measured using BOPO and financing risk is measured by non-performing financing (NPF). The analysis technique used is multiple linear regression. The results showed that the GDP variable did not affect rentability. Efficiency, risk, and CAR affect rentability. FDR does not affect rentability.
Growth and Productivity of Tidore Local Chili (Capsicum sp) with Green Fertilizer on Marginal Soil Type in Campus IV Area of Khairun University Abdullah, Hayun; Mahmud, Shubzan Andi; Haryanto, Sugeng; Abdullatif, Zauzah
Agrikan Jurnal Agribisnis Perikanan Vol. 17 No. 2 (2024): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v17i2.2207

Abstract

This study explores the potential of weeds as a source of green fertilizer to increase the growth and production of local Tidore chilli plants (Capsicum annuum L) on marginal land. Using a Random Group Design, five green manure treatments were tested, namely without green manure (control), Clotalaria juncea, Ageratum conyzoides, Cassia tora, and Colopogonium mucanoides. The analysis showed that using Crotalaria juncea green fertilizer significantly impacted plant height, number of primary branches, petioles, and flowers and fruits. This green fertilizer also increases the fruit's fresh weight, with the highest average reaching 296.50 g in the 4th harvest. These findings show that using weeds as green fertilizer can be a sustainable alternative to improve soil fertility and agricultural productivity on marginal land.
PENGARUH KULTUR MEDIA PERTUMBUHAN MAGGOT BSF (Hermetia illucens) SEBAGAI BIOKONVERSI PAKAN AYAM BURAS FASE STARTER Haryanto, Sugeng; Hoda, Abdurahman
Jurnal Pertanian Khairun Vol 3, No 1: (Juni 2024)
Publisher : Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/jpk.v3i1.8377

Abstract

This study aims to determine the effect of various types of growth media maggot from banana waste (Musa paradisiaca) taken from traditional markets on the performance of starter phase local chicken with several parameters measured, namely maggot biomass, daily weight gain of local chicken, feed consumption and feed conversion chicken starter phase. This research was carried out experimentally with four treatments that were tried namely basal ration (P0), basal ration added maggot from banana stem culture media (P1), basal ration added maggot with banana weevil (P2) culture and basal ration added maggot with banana skin culture media (P3). The results showed that the banana waste both in the stem, tuber and skin parts had a very significant effect (p 0.01) with sig values. 0.009 on maggot larvae biomass in the first week of weighing. Whereas the 2nd and 3rd weeks have a significant influence on the value of sig. 0.023 and 0.045 (p 0.05). The use of banana peels as a culture medium gives the best effect on the growth of BSF maggot larvae compared to banana weevil and gedebog. Maggot BSF larvae using banana stem culture media (P3) in the ration gave a good influence on the daily weight gain and consumption of starter phase rations. Whereas all treatments had the same effect on feed conversion.Keywords: Maggot, Banana waste, Growth, local chicken
Movement to Planting of Telang Flowers (Clitoria ternatea) in the Yards of The Employee Housing Housing House of PT. Gelora Mandiri Building Gane Barat Melati, Rima; Syafi, Sartika; Arifin, Tuti Handayani; Suwarno, Kuad; Haryanto, Sugeng; Mandea, Abd. Rahmat; Suleyman, Suleyman
Agrikan Jurnal Agribisnis Perikanan Vol. 18 No. 1 (2025): Agrikan: Jurnal Agribisnis Perikanan
Publisher : Fakultas Pertanian, Universitas Muhammadiyah Maluku Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52046/agrikan.v18i1.2551

Abstract

Aiming to utilize empty land in the yard of the employee housing complex by planting butterfly pea flowers (Clitoria ternatea), at PT GMM, Gane Barat Selatan District, South Halmahera Regency which was implemented by the Agrotechnology Study Program, Faculty of Agriculture, Khairun University, Ternate through a participatory approach, this activity involved mothers in the employee housing complex to understand the benefits and techniques of planting butterfly pea flowers as medicinal ingredients, natural dyes and ornamental plants. The results and discussions showed that the movement to plant butterfly pea flowers in the yard of the employee housing complex was very much responded to by mothers in the PT GMM employee housing complex as part of an attractive and healthy greening of the environment, can reflect a sense of responsibility and concern for employees towards the surrounding environment and the spirit to support the company's program in terms of sustainability and nature conservation.
Corporate Social Responsibility, Bank Efficiency, Capital and Bank Risk: Empirical Evidence of Sharia Banks in Indonesia Haryanto, Sugeng; Aristanto, Eko; Umar Ariefudin, Muhammad; Ridloah, Siti; Bachtiar, Yanuar
Jurnal Dinamika Manajemen Vol. 16 No. 1 (2025): March
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v16i1.16275

Abstract

Risk is part of the business. This study aims to determine the effect of CSR, efficiency, and capital on financing risk in Sharia banks in Indonesia. This research was conducted at Islamic banks in Indonesia. This research was conducted from 2015 to 2023. The data used in this study are secondary data sourced from annual reports published by theFinancial Services Authority (OJK) and the official websites of each Islamic bank. The data analysis method in this study is multiple linear regression analysis with panel data. Based on the research results, CSR positively affects financing risk. Efficiency can reduce financing risk. CAR has no impact on financing risk. The research variables used are still limited, so further research can be done by examining how Islamic banks manage financing.
Potensi Pemanfaatan Limbah Kelapa Sawit di PT GMM Kabupaten Halmahera Selatan sebagai Pakan Alternatif bagi Ternak Ruminansia Gunawan, Gunawan; Utami, Sri; Lestari, Sri; Sulasmi, Sulasmi; Haryanto, Sugeng
Jurnal Pertanian Khairun Vol 4, No 1: (Juni, 2025)
Publisher : Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/jpk.v4i1.9722

Abstract

This study aimed to evaluate the potential utilization of oil palm waste from PT. Gelora Mandiri Membangun (GMM) in South Halmahera as an alternative feed for ruminant livestock. Waste samples including empty fruit bunches (EFB), palm fiber, and Palm Oil Mill Effluent (POME) were collected and analyzed for their nutritional content using proximate analysis methods, followed by feeding trials on local goats. The results showed that fermented POME exhibited the highest crude protein content at 7.80%, while EFB contained 38.20% crude fiber, and palm fiber contained up to 9.20% fat. Feeding trials indicated that goats fed with diets based on fermented POME achieved an average daily weight gain (ADWG) of 91 g/head/day, only slightly lower than those fed with commercial feed (95 g/head/day). These findings suggest that, after simple processing such as fermentation, oil palm waste holds great potential as an alternative feed material without significantly reducing livestock performance. The study concludes that oil palm waste can be an efficient, economical, and environmentally friendly alternative feed source. Utilizing this waste also supports the principles of sustainable agriculture and circular economy while offering economic benefits to local communities through the integration of plantation and livestock sectors. It is recommended to develop simple waste processing technologies and foster local partnerships to optimize the utilization of these resources.
PENINGKATAN AKTIVITAS BELAJAR SISWA MELALUI PENERAPAN MODEL PEMBELAJARAN BERMAIN PERAN PADA MATERI MENGAPRESIASI DAN MENGKREASIKAN FABEL DI KELAS VII.A SMP NEGERI 1 BATU AMPAR TAHUN PELAJARAN 2021/2022 Haryanto, Sugeng
Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora Vol. 9 No. 1 (2023): Jurnal Alwatzikhoebillah : Kajian Islam, Pendidikan, Ekonomi, Humaniora
Publisher : Institut Agama Islam Sultan Muhammad Syafiuddin Sambas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37567/alwatzikhoebillah.v9i1.1683

Abstract

Berdasarkan pengalaman mengajar di kelas VII.A SMP Negeri 1 Batu Ampar mengenai identifikasi unsur instrinsik pada novel dan drama, ditemukan berbagai hambatan yang berasal dari guru dan siswa yang berdampak pada rendahnya hasil belajar. Hambatan dalam mengidentifikasi unsur instrinsik novel dan drama yaitu kurangnya minat siswa untuk membaca novel dan drama karena untuk membaca novel dan drama dibutuhkan waktu yang cukup Panjang. Penelitian ini bertujuan untuk meningkatkan aktivitas belajar siswa dengan menerapkan model pembelajaran role playing selama kegiatan belajar mengajar dalam pembelajaran bahasa Indonesia di Kelas VII.A SMP Negeri 1 Batu Ampar. Subjek dalam penelitian ini adalah siswa kelas VII.A SMP Negeri 1 Batu Ampar dengan jumlah siswa sebanyak 34 orang. Berdasarkan penelitian ini, diperoleh bahwa pembelajaran dengan menerapkan model pembelajaran role playing secara efektif mampu meningkatkan aktivitas pembelajaran siswa kelas VII.A di SMP Negeri 1 Batu Ampar pada mata pelajaran bahasa Indonesia dengan peningkatan aktivitas belajar siswa pada setiap siklus yaitu; 66,76% pada siklus 1, dan 77,64% pada siklus 2. Melalui penerapan model pembelajaran teknik bermain peran, teridentifikasi bahwa terdapat peningkatan aktivitas belajar siswa dalam pembelajaran bahasa Indonesia. Peningkatan terjadi karena siswa telah membaca buku di rumah sebelum belajar sehingga pada saat diskusi siswa fokus belajar. Di samping itu, guru memotivasi siswa untuk berpartisipasi dalam timnya dan pentingnya melakukan diskusi dengan kelompok.
Aplikasi Micro-organisme Lokal Terhadap Pertumbuhan dan Produksi Tanaman Cabai Di Bawah Tegakan Kelapa Tjokrodiningrat, Suryati; Abdullatif, Zauzah; Abdullah, Hayun; Haryanto, Sugeng; Syafie, Yunus; Melati, Rima
Jurnal Pertanian Khairun Vol 3, No 1: (Juni 2024)
Publisher : Universitas Khairun

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33387/jpk.v3i1.8389

Abstract

The coconut plantations in Maffa village are spaced approximately 7 x 9 meters apart, providing enough room for the chili plants to grow. The shading from the coconut plants, at about 45 percent, is suitable for the growth of chili plants. An experiment was conducted to observe the application of local micro-organisms on chili and its influence on the phenotype of chilies in coconut-sheltered conditions also the resistance to anthracnose attacks.. The experiment was held in the Mafa village coconut plantation from November 2022 to March 2023. The research was implemented using factorial treatment based on Randomized Block Design with 30 percent and 45 percent coconut shelter respectively, and the concentration of local micro-organisms is 5ml and 10ml per liter of water, respectively. The observational data was analyzed using the F-test and a treatment difference test at a five percent significance level. The research findings indicated that shade level and local microorganism concentration significantly impacted, the number of brunches, and the fruit weight. The highest chili production was 476.39 g tree-1 harvest-1.Keywords: Chili, micro-organism, coconut plantation.