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All Journal Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jesya (Jurnal Ekonomi dan Ekonomi Syariah)
Rusdianto Rusdianto
Universitas Islam Negeri Syarif Hidayatullah Jakarta
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Cross Province Analysis of Indonesian Islamic Banking Financing Faizul Mubarok; Rusdianto Rusdianto
Jurnal Ilmiah Ekonomi Islam Vol 8, No 2 (2022): JIEI
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i2.4514

Abstract

The economic development of a country cannot be separated from the role of the banking sector in carrying out its function as an intermediary financial institution for people in need. Islamic banks need to create a financing portfolio to effectively and efficiently by considering the influential variables. This study aims to analyze the factors that influence Islamic bank financing in the province of Java. This study uses a fixed-effect model and annual data from 2010 to 2021. The study results found that total assets, liquidity, and exchange rates affected Islamic banking financing in the province of Java, while the province's economic growth had no effect. Islamic banking needs to carry out a provincial financing portfolio in order to facilitate the process of distributing financing to each province.
Kendala Pembiayaan Bank Syariah : Pendekatan Granger Causality Faizul Mubarok; Rusdianto Rusdianto
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 2 No 1 (2019): Volume 2 Nomor 1, Januari 2019
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (367.07 KB) | DOI: 10.36778/jesya.v2i1.53

Abstract

Penelitian ini bertujuan untuk menguji hubungan dua atau satu arah antara pembiayaan perbankan syariah, nilai tukar, inflasi dan suku bunga di Indonesia. Alat analisis yang digunakan adalah Granger Causality. Data yang digunakan menggunakan data sekunder meliputi pembiayaan perbankan syariah, nilai tukar, inflasi dan suku bunga dari Januari 2010 hingga Desember 2017. Hasil yang diperoleh menunjukkan bahwa variabel pembiayaan dan variabel inflasi, variabel pembiayaan dan variabel suku bunga, variabel nilai tukar dan variabel inflasi, variabel nilai tukar dan variabel tingkat bunga tidak memiliki hubungan dua arah atau satu arah, sementara variabel inflasi dan variabel suku bunga memiliki hubungan satu arah, variabel pembiayaan dan variabel nilai tukar memiliki hubungan dua arah.
THE DISTRIBUTION OF PROFITS AND LOSSES, AS WELL AS MONETARY POLICY, IN ISLAMIC BANKS INDONESIA Faizul Mubarok; Rusdianto
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.42507

Abstract

Profit and loss distribution in Islamic banking financing is based on the principles of fairness and risk sharing between banks and customers. Islamic banking activities channel financing are an effort to move the economic sector. This study intends to examine the short- and long-term link between monetary policy and Mudharabah contract finance, as well as the shocks caused by changes in monetary policy and the contribution of each variable during shocks. The research makes use of a vector error correction model, which is applied to monthly data spanning the years 2004 to 2022. The sample population for the study is comprised of a number of Islamic commercial banks and business units. The findings of the research on interest rates have an effect on financing through Mudharabah contracts in both the short and long terms, but solely on inflation in the long term. However, the exchange rate does not affect the short or long term. Islamic banks must implement a portfolio of Mudharabah contracts and prepare reserve funds when a shock occurs. In Mudharabah contracts, financing Mudharabah is affected by interest rates, both short-term and long-term, but only long-term financing is affected by inflation. The most important change is the change in interest rates. If a change in a financial indicator causes a shock, Islamic banks need to set up reserve funds so they can handle it. To make Islamic banking more competitive, the government needs to keep taking it as seriously as setting interest rates.
Co-Authors Faizul Mubarok Jasin, Mochammad