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All Journal Jurnal Ekonomi Pembangunan ESENSI: JURNAL BISNIS DAN MANAJEMEN Economic Journal of Emerging Markets AGRIEKONOMIKA JAM : Jurnal Aplikasi Manajemen Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Global Review of Islamic Economics and Business HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Ekonomi-Qu (Jurnal Penelitian Ilmu Ekonomi) Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Jurnal Organisasi Dan Manajemen Jurnal Aplikasi Bisnis Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Banque Syar'i : Jurnal llmiah Perbankan Syariah Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi JESI (Jurnal Ekonomi Syariah Indonesia) Proceeding of Conference on Islamic Management, Accounting, and Economics Enrichment : Journal of Management Jurnal Geuthee ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Al-Tijary : Jurnal Ekonomi dan Bisnis Islam Jurnal Kebijakan Ekonomi dan Keuangan Review of Islamic Social Finance and Entrepreneurship
Heri Sudarsono
Department Of Economics, Faculty Business And Economics, Universitas Islam Indonesia, Yogyakarta, Indonesia
Religion Agriculture, Biological Sciences & Forestry Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ANALISIS PERTUMBUHAN EKONOMI DI PULAU MADURA Verawati Fajrin; Heri Sudarsono
Jurnal Ekonomi-Qu Vol 9, No 1 (2019)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (799.603 KB) | DOI: 10.35448/jequ.v9i1.5434

Abstract

This study aims to analyze the effect of government expenditures, household consumption and net exports on economic growth seen from the PDRB of Madura Island which consists of four districts namely Bangkalan, Sampang, Pamekasan, and Sumenep within a period of six years from 2011-2016. The data used in this study were obtained from the Central Statistics Agency (BPS) estimated by panel data regression using the fixed effect method as the best method that resulted in the picture that government expenditures had a significant and negative effect, the household consumption was not significant and positive, net export had a significant effect and positive for gross regional domestic products that have an impact on economic growth on Madura island
Analysis of factor affecting financing with Islamic banks in agriculture sectors Heri Sudarsono; Mustika Noor Mifrahi; Indah Susantun; Ari Rudatin; Sarastri Mumpumi Ruchba
Asian Journal of Islamic Management (AJIM) VOLUME 1 ISSUE 2, 2019
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol1.iss2.art6

Abstract

Purpose: This study aims to determine the effect of non-performing finance, inflation, interest rates, Bank Indonesia Sharia Certificate variable, deposit and Industrial Production Index on the financing of the agricultural sector in Islamic banks.Methodology:This study uses analysis tools with the Vector Auto Regression (VAR) method. The VAR method is applied if the data used is stationary and there is no cointegration. If the data used is stationary but there is cointegration, the analytical tool that will be applied is the Vector Correction Model (VECM) method.Findings: There is causality between interest rates and financing in the agricultural sector. This situation can be interpreted that any increase in interest rates will result in people preferring financing to Islamic banks. Profit sharing and margins do not directly influence the increase in interest rates in conventional banks so that the increase in interest rates is relatively a cheaper cost of financing. Conversely, if there is a decrease in the interest rate on conventional banks, it will make people more likely to choose financing in conventional banks rather than in Islamic banks      Originality:This study enrich the discussion in factors affecting financing with Islamic Banks in agriculture sectors. 
The influence of financial performance and macroeconomic on financing risk in Islamic banks Dita Putri Angraini; Heri Sudarsono; Sella Fitri Anindita
Asian Journal of Islamic Management (AJIM) VOLUME 2 ISSUE 2, 2020
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol2.iss2.art6

Abstract

Purpose: The aim of this research is to identify the influence of microeconomic and macroeconomic variables toward non-performing financing of Islamic Commercial Banks in Indonesia.Design/Methodology/Approch: Microeconomic variables include CAR, FDR, OEOI, ROA, while macroeconomic variables include IPI, BI Rate, Inflation and SBIS for the period of 2015 to 2019. The data analysis method in this study is Auto-Regressive Distributed Lag (ARDL) using EViews 10 tool which can analyze the relationship between independent and dependent variables in the long-term and the short-term.Findings This study shows that CAR has a positive and insignificant effect on NPF. Furthermore, BOPO, ROA, BI Rate have a significant positive effect on NPF, but FDR, inflation and SBIS have a significant negative effect on NPF. In the long-term, CAR, IPI and SBIS have a negative and insignificant effect on NPF, but BI Rate has a positive and insignificant effect. Suggestion in this research is to solve better research, so further research should be carried out by including a longer period of time.Practical implications: Islamic Bank Directors need to pay attention to the movement of BOPO and ROA which tend to consistently have a positive effect on the NPF level.Originality/Value: This study presents the long-term and the short-term relationships of specific Islamic banking variables and macroeconomic variables on NPF in Indonesia.
Do religiosity, halal knowledge, and halal certification affect Muslim students' intention to purchase halal packaged food? Arya Bagus Wirakurnia; Ponchanok Nuanmark; Heri Sudarsono; Arga Ramadhana
Asian Journal of Islamic Management (AJIM) VOLUME 3 ISSUE 2, 2021
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol3.iss2.art3

Abstract

Purpose: This study aims to analyze the factors that influence the intention of Muslim students in purchasing halal packaged food.Methodology: This study uses the variables of religiosity, halal knowledge, halal certification, brand, attitude, subjective norm, and perceived behavior control. The sample of this research is 239 respondents who live in West Java, Central Java, and East Java. The partial least squares structural equation model (PLS-SEM) method was used to process the research data.Findings: Halal label variables, religiosity, attitudes, subjective norms, and perceived control have a positive effect on Muslim students' intention in purchasing halal packaged food. While the variables of halal knowledge and brand image do not affect the intention in purchasing halal packaged food.Originality: Halal packaged food companies need to develop promotions of halal packaged foods that highlight Islamic nuances, including more elegant and modern Islamic symbols. Besides, the promotion is directed at efforts to reinforce the image that halal packaged food is not only individual food but also family food and Muslim student groups/organizations.
Modelling Respon Rasio Keuangan Terhadap Pembiayaan Pada Bank Syariah Di Indonesia Heri Sudarsono
JESI (Jurnal Ekonomi Syariah Indonesia) Vol 7, No 1 (2017)
Publisher : Universitas Alma Ata

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (336.015 KB) | DOI: 10.21927/jesi.2017.7(1).1-13

Abstract

 This research is meant to analyze the factors affecting the amount of financing provided by Islamic banking in Indonesia. The data which is used is taken from the financial report of the Shari’a Bank during the 2011-2015 periods by using montly financial statement This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage of third party funds (DPK), capital adequacy ratio (CAR), financial deposit ratio (FDR), percentage profit and loss sharing (TBH), give a positive and significant effect on the financing, while BOPO  has negative and significant effect.  Return on asset (ROA) and non perfroming finance (NPF) have no significant effect on the financing. In short run, financing and BOPO give a positive and siqnificant effect on teh financing, then DPK, CAR, FDR, TBH have no sinificant effect on the financing. Therfore, shocks that occur in the financing, ROA, CAR, FDR dan NPF positively responded by financing and will be stable in the long term. While the shocks that occur in the percentage of profit and loss sharing, third party funds, and BOPO responded negatively by financing and will be stable in the long term.
Equity Financing, Debt Financing, and Financial Performance in Islamic Banks Heri Sudarsono; Jannahar Saddam Ash Shiddiqi
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 12, No 2 (2021): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v12i2.89-104

Abstract

This research aims to determine the effect of bank size (SIZE), profitability (ROA), efficiency (EFF), non-performing finance (NPF), interest (INTR), and inflation (INFL) on profit and loss sharing (PLS) financing (equity financing), and sale-purchase (SP) financing (debt financing) Islamic banks in Indonesia. Furthermore, monthly Islamic bank data in June 2014 to July 2020 was used. The autoregressive distributed lag (ARDL) method was used to determine the short and long-term effects of the independent variables on the financing variable. The results showed that ROA and EFF have a positive effect on MRF but ROA and EFF have a negative effect on MDA and MSF. NPF has a positive effect on MDF, but has a negative effect on MRF. Meanwhile, SIZE has a negative effect on MDF, MDA, MRF, and MRA. The INTR has a negative effect on MDA, MRF, and MRA. The implication of this research is that financialperformance has more influence on debt financing compared to equity financing of Islamic banks in Indonesia.
The Effect of Financial Performance toward Profit-Sharing Rate on Mudharabah Deposit of Sharia Banking in Indonesia Heri Sudarsono; Miranti Aprilia Saputri
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (316.198 KB) | DOI: 10.18326/muqtasid.v9i1.82-92

Abstract

Abstract This study aims to determine the effect of financial performance in the form of Return On Assets (ROA), Operational Expense to Operating Income (OER), Finance to Deposits Ratio (FDR), Non Performing Finance (NPF), and Interest Rate to profit-sharing rate on mudharabah deposit of Sharia banking in Indonesia period 2011.1 to 2017.10. Data analysis method used is Auto-Regressive Distributed Lag (ARDL) which can analyze the relation between independent variable to dependent variable in long term and short term. The results of data analysis show that in the short term ROA and OER variable negatively affect the profit-sharing rate mudharabah deposits. While the variable of FDR and Interest rate have positive effect to profit-sharing rate of mudharabah deposit, on the other hand NPF variable does not affect to profit-sharing level of mudharabah deposit. Meanwhile in the long run the variable of FDR and OER have negative effect, the variable of Interest rate has positive effect. Meanwhile, the ROA and NPF variables do not affect the profit-sharing of mudharabah depositsAbstrak Penelitian ini bertujuan untuk mengetahui pengaruh kinerja keuangan berupa Return On Asset (ROA), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Finance to Deposits Ratio (FDR), Non Performing Finance (NPF), dan Suku Bunga terhadap tingkat bagi hasil deposito mudharabah pada perbankan syariah di Indonesia periode tahun 2011.1 sampai 2017.10. Metode analisis data yang digunakan adalah Auto-Regressive Distributed Lag (ARDL) yang dapat menganalisa keterkaitan antara variabel independen terhadap variabel dependen dalam jangka panjang dan jangka pendek. Hasil analisis data menunjukkan bahwa dalam jangka pendek variabel ROA dan BOPO berpengaruh negatif terhadap tingkat bagi hasil deposito mudharabah. Sedangkan variabel FDR dan Suku Bunga berpengaruh positif terhadap tingkat bagi hasil deposito mudharabah, dilain pihak variabel NPF tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Dan dalam jangka panjang variabel FDR dan BOPO berpengaruh negatif, variabel Suku Bunga berpengaruh positif. Sementara itu, variabel ROA dan NPF masing-masing tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah
Perbandingan pengaruh rasio keuangan terhadap return on asset (ROA) pada bank umum konvensional dan bank umum syariah Heri Sudarsono; Alusi Retno Safitri
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 1, 2018
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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Abstract

Penelitian ini menjelaskan hasil dari studi yang menganalisis mengenai Perbandingan Pengaruh Rasio Keuangan terhadap Return On Asset (ROA) Pada Bank Umum Konvensional dan Bank Umum Syariah Periode 2011-2015 dengan menggunakan variabel yang digunakan adalah ROA, NPF/NPL, CAR, BOPO dan FDR/ LDR, sampel penelitian yaitu 2 Bank Umum Syariah (BNI Syariah dan Bank Syariah Mandiri)dan 2 Bank Umum Konvensional (BNI dan Bank Mandiri)  Metode Analisis yang digunakan menggunakan Analisis Regresi Linear Berganda, Uji Statitik yaitu koefisien determinasi, uji statistik t, uji simultan F dan Asumsi Klasik melalui uji normalitas, uji heteroskedastisitas, uji multikolinearitas, uji autokorelasi serta uji Independent Sampel T-test. Penelitian ini menemukan bahwa variabel NPL/NPF berpengaruh signifikan negatif terhadap ROA pada BNI dan Bank Syariah Mandiri, NPL/NPF berpengaruh positif terhadap ROA pada Bank Mandiri tidak signifikan dan BNI Syariah signifikan. variabel CAR berpengaruh positif dan signifikan pada BNI tetapi tidak signifikan pada Bank Mandiri dan BNI Syariah sedangkan pada Bank Syariah Mandiri berpengaruh negatif tidak signifikan. BOPO berpengaruh negatif signifikan terhadap ROA.  FDR/ LDR berpengaruh negatif signifikan pada Bank Mandiri dan BNI Syariah tetapi tidak signifikan sedangkan berpenguh positif dan signifikan pada BNI dan Bank Syariah Mandiri. Serta pada uji Independent sampel t-test Bank Umum Syariah lebih besar daripada Bank Umum Konvensional yaitu rasio NPL/NPF, BOPO, LDR/FDR, Sedangkan Bank Umum Konvensional lebih besar dibandingkan Bank Umum Syariah pada rasio ROA dan CAR.
Analisis resiko likuiditas bank syariah Indah Susantun; Mustika Noor Mifrahi; Heri Sudarsono
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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Abstract

This study attempts to examine the determinants of liquidity risk in Islamic bank by using incorporates several variables that impact the liquidity of Islamic bank. A regression data analysis is conducted on a sample on all of Islamic banks in Indonesia between 2014. 6 and 2019.4. The result show that EQUITY also has a negative relationship with liquidity risk  as a more stable source of funding for Islamic banks tend  a higher ratio of equity lowers liquidity risk.  Then,  SIZE also has a negative relationship with liquidity risk, as larger banks tend customers feel safer dealing with large Islamic  banks. On the other hand, CAR have statistically significant positively relationships with the liquidity risk.  Finally, ROA and FINANCING  are not significance with liquidity risk in Indonesia Islamic Banks
Pengaruh likuiditas terhadap profitabilitas di bank syariah Heri Sudarsono; Sarastri Mumpuni Rubha; Ari Rudatin
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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Abstract

This study examines the impact of liquidity on Islamic banks profitability during the years from 2014 to 2019. The study extracted its data from the annual reports of six Islamic banks in Indonesia that have been in operations on or before 2014 to 2019. The liquidity model is built from four liquidity variables namely financial to debt ratio (FDR), liquid asset to total asset (LATA) dan liquid assets to deposits (LAD). The results of the study show that FDR is correlated negatively with ROA and NOM, but correlated positively with ROE. Thus, LAD indicate a positive correlation with ROA and NOM. And, LATA found to be significant with ROE at 0,05 Significant level.
Co-Authors Akhsyim Afandi Ali Hamza Alusi Retno Safitri Andika Perdana Andika Ridha Ayu Perdana Arga Ramadhana Arya Bagus Wirakurnia Asri Noer Rahmi Bintang Putri Pertiwi Dita Putri Angraini Emiroh Arsyina Ahimsa Fajar Nurbani Aslam Fiqih Afriadi Ikawati, Retty Indah Susantun Indah Susantun Indah Susantun Indah Susantun Indah Susantun Jannahar Saddam Ash Shiddiqi Jannahar Saddam Ash Shidiqie Khairunnisa Rifqi Amalias Kinanthi Putri Ardiami Lak lak Nazhat El Hasanah Miranti Aprilia Saputri Mohammad Bekti Hendrie Anto Mohammad Hendrie Anto Muchammad Taufiq Affandi Muhammad Abdul Ghoni Muhammad Hafidz Prasetyo Mustika Noor Mifrahi Nadya Putri Nico Ferari Nugrohowati, Rindang Nuri Isnaini Ponchanok Nuanmark Putri Dwiawani Rifqi Khuamirotun Nafis Rudatin, Ari Sarastri Mumpumi Ruchba Sarastri Mumpuni Rubha Sarastri Mumpuni Rubha Sarastri Mumpuni Ruchba Sella Fitri Anindita Setyo Novianto Siti Aisiyah Suciningtias Supriani, Indri Syobri Tri Rahmansyah Verawati Fajrin Widjiarti Nur Riswandi Yunice Karina Tumewang