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All Journal Jurnal Penyuluhan Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi Economic Journal of Emerging Markets Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Jurnal Ekonomi Syariah Teori dan Terapan Walisongo: Jurnal Penelitian Sosial Keagamaan Global Review of Islamic Economics and Business FIKRI : Jurnal Kajian Agama, Sosial dan Budaya Journal of Management Review al-Uqud : Journal of Islamic Economics Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam KEK (Kajian Ekonomi dan Keuangan) EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Shafin: Sharia Finance and Accounting Journal Journal of Islamic Economics Lariba Review on Islamic Accounting MIMBAR : Jurnal Sosial dan Pembangunan Tapis : Jurnal Penelitian Ilmiah

JAENAL EFFENDI

Department Of Islamic Economics, Faculty Of Economics And Management, IPB University.

Author-ID : 2875944

Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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Pengaruh Sektor Keuangan Bank Perkreditan Rakyat terhadap Perekonomian Regional Wilayah Sulawesi Supartoyo, Yesi Hendriani; Juanda, Bambang; Firdaus, Muhammad; Effendi, Jaenal
Jurnal Kajian Ekonomi dan Keuangan Vol 2, No 1 (2018)
Publisher : Badan kebijakan Fiskal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31685/kek.v2i1.207

Sektor keuangan merupakan salah satu sektor yang dapat mempengaruhi pertumbuhan ekonomi regional dan memegang peranan penting dalam memicu pertumbuhan ekonomi suatu daerah. Penelitian ini bertujuan melihat pengaruh sektor keuangan dari Badan Perkreditan Rakyat terhadap Perekonomian Regional di wilayah Sulawesi. Metode analisis yang digunakan ialah Analisis Regresi Komponen Utama. Diperoleh hasil bahwa perkembangan sektor keuangan dari Bank Perkreditan Rakyat terhadap perekonomian regional di wilayah Sulawesi yang terdiri dari variabel sektor keuangan yaitu aset BPR, jumlah kredit yang disalurkan oleh BPR, Dana Pihak Ketiga BPR dan jumlah BPR berbadan hukum masing-masing mempengaruhi peningkatan pertumbuhan ekonomi regional di wilayah Sulawesi secara positif dan signifikan. Jumlah BPR berbadan hukum memiliki pengaruh yang paling signifikan terhadap peningkatan perekonomian regional di wilayah Sulawesi. Oleh karenanya sebagai masukan saran atau rekomendasi maka Pemerintah daerah, otoritas moneter dan OJK dalam pelaksanaannya perlu bersinergi dengan kementerian, perbankan, lembaga domestik guna meningkatkan peran sektor keuangan dari BPR diantaranya berkaitan dengan pembentukan akumulasi modal fisik dan pemeratan persebaran kredit BPR yang berdampak terhadap pembangunan kewilayahan di wilayah Sulawesi.

Factors Influencing Non-Performing Financing (NPF) at Sharia Banking Effendi, Jaenal; Thiarany, Usy; Nursyamsiah, Tita
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 25, No 1 (2017)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.25.1.1540

The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly data from first quarter of 2012 until third quarter 2016. The method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.Risiko pembiayaan adalah risiko yang disebabkan oleh adanya kegagalan nasabah dalam memenuhi kewajibannya. Non- Performing Financing (NPF) merupakan representasi dari risiko pembiayaan yang disalurkan dan berdampak langsung pada profitabilitas perbankan. Nilai NPF yang cenderung meningkat setiap tahunnya dengan nilai yang sudah mendekati batas maksimum yang telah ditetapkan oleh Bank Indonesia yaitu sebesar 5 persen dapat menyebabkan inefisiensi perbankan dan dalam jangka panjang akan berdampak pada kelangsungan bank. Maka dari itu, analisis faktor-faktor NPF perlu ditinjau sebagai upaya pencegahan dan untuk mengendalikan risiko dari kegiatan usaha. Penelitian ini menganalisis faktor-faktor yang memengaruhi NPF pada Bank Umum Syariah (BUS) dengan menggunakan data kuartal dari kuartal I 2012 hingga kuartal III 2016. Metode yang digunakan dalam penelitian ini adalah analisis data panel. Hasil analisis menunjukkan bahwa faktor-faktor yang memengaruhi NPF secara negatif dan signifikan adalah RR, ROA, inflasi, CAR dan Bank size sedangkan GDP dan BOPO berpengaruh positif signifikan.

The Effectiveness of Islamic Microfinance Distribution on Microbusiness Owner’s Poverty Alleviation (Case Study: BMT Bina Masyarakat Purworejo) AGENG PRASETYO; JAENAL EFFENDI; TITA NURSYAMSIAH
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 14, No 1: June 2018
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/AIIJIS.2018.0078.1-26

The objective of the study is to analyze the effectiveness of Islamic microfinance distri- bution and its impact on microbusiness owners’ poverty alleviation in Purworejo. This study used descriptive analysis method that is Likert scale and ordinary least square method (OLS) to analyze the influence of Islamic Microfinance Institution’s financing to microbusiness performance. The impact on the poverty alleviation is indicated by the change of microbusiness owners’ income. The results indicate that Islamic micro-financing is con- sidered to be effective in several aspects, they are proposal aspect, disbursement aspect, utilization aspect, and pay-back aspect of financing. In addition, Islamic microfinance has a positive impact on microbusiness performance and poverty alleviation.

The determinant factors of efficiency on Islamic banking and conventional banking in Indonesia Nur Majdina; Jono M. Munandar; Jaenal Effendi
Jurnal Keuangan dan Perbankan Vol 23, No 3 (2019): July 2019
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v23i3.3157

As intermediary institutions, conventional banks have larger amount of loans to third party funds than of Sharia banks. Thus, the bank needs a performance appraisal to measure banking operations through efficiency. We examine the efficiency of Islamic banks and conventional banks in Indonesia and analyzes the factors that influence the level of efficiency known as the Two-Stage Data Envelopment Analysis method. We found that there are significant efficiency differences between Islamic banking and conventional banking in the 1st quarter 2014- 4th quarter 2017. On the other hand, NPF and NPL results affected negatively towards Islamic and conventional banks efficiency. Asset and CAR affected positively significant toward Islamic banks efficiency. Asset and ROA had affected positively significantly toward conventional banks efficiency but CAR had affected positively insignificantly toward conventional banks. Lastly, ROA had affected positively insignificantly toward Islamic banks efficiency.JEL Classification: G31, G32, G33DOI: https://doi.org/10.26905/jkdp.v23i3.3157

The Effect of Internal and External Factors of Banking to the SMEs Financing for BPRS in Indonesia Jaenal Effendi; Nurkholis Yasmin
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Small and Medium Enterprises had a strategic role in economic growth. One of the main problems faced by SMEs in Indonesia was the limited financial capital and access to finance. Islamic Rural Banks (BPRS) could play a significant role in providing financing for the development of the real sector through SMEs. This study aimed to analyze the influence of internal and external factors of banking to the SMEs financing for BPRS in Indonesia 2011-2016 periods using the Vector Error Correction Model (VECM) method. In the long-term of VECM estimation result showed that third-party funds, FDR, inflation, and IPI had a significant positive effect on SMEs financing, while BOPO, NPF, ERP, and BSBIS variables negatively affected SMEs financing. This study recommended the importance of increasing the proportion of SMEs financing in line with the increase in the number of third-party funds and putting more funds in the real sector than in the monetary sector.DOI: https://doi.org/10.26905/jkdp.v21i3.1221

Analisis Faktor-Faktor yang Mempengaruhi Sikap dan Keputusan Wakif dalam Berwakaf Produktif di Indonesia (Studi Kasus di Dompet Dhuafa) Nur Rohmat Fadlil; Jaenal Effendi; Endriatmo Sutarto
Jurnal Penyuluhan Vol. 18 No. 01 (2022): Jurnal Penyuluhan
Publisher : Department of Communication and Community Development Sciences and PAPPI (Perhimpunan Ahli Penyuluhan Pembangunan Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25015/18202237884

This study aims to analyze internal factors (religiosity, knowledge, education, income) and external factors (regulations, sharia compliance, institutional credibility, institutional accountability) that influence wakif attitudes and decisions in productive waqf in Indonesia, a case study in Dompet Dhuafa Republika. In addition, it also aims to describe the characteristics of Wakif respondents. The method used to process the data is Structural Equation Modeling (SEM)-PLS version 3.0. Data was obtained by distributing online questionnaires to Wakif Dompet Dhuafa Republika. The results showed that the character of the respondents in this study was dominated by male respondents, with an age range of 20-50 years, had an undergraduate education background (S1/S2/S3), dominated by private employees, and the average income was in the range of Rp. 3 million to Rp. 6 million. This study also shows that income has a positive and significant effect on the attitude of waqf for waqf and the credibility of the institution also has a positive and significant effect on the decision of waqf for productive waqf. Thus it can be concluded that the increase in the collection of productive waqf funds is significantly influenced by the income and credibility of the institution.

Factors Affecting The Repayment Rate of Musharaka Financing On Micro Enterprises ; Case Study of BMT Al Munawwarah, South Tangerang Jaenal Effendi; Anggita Aulia Pratiwi
AHKAM : Jurnal Ilmu Syariah Vol 17, No 2 (2017)
Publisher : Universitas Islam Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ajis.v17i2.6238

The existence of micro-enterprises has an important role in nationa leconomy. However, access to financial institutions for obtaining additional capital for their business is still low. It has influenced the characteristics ofmicro-enterprises considered to be not bankable. The purpose of this study isto analyze the characteristics of the micro-enterprises based on the repay mentrate of musharaka financing and analyze the factors affecting repaymentrate of musharaka financing, which given to micro-enterprises at BMT Al Munawwarah, South Tangerang. By a logit method,this research showed a significant variable affecting repayment rate of musharaka financing namely gender, the amount of financing, collateral, other loans, and BMT visitation. DOI: 10.15408/ajis.v17i2.6238

The determinant of equity financing in sharia banking and sharia business units Jaenal Effendi
Economic Journal of Emerging Markets Volume 10 Issue 1, 2018
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol10.iss1.art12

Equity financing plays an important role in mobilizing financing in the real sector. The core business of sharia banking is based on the real sector, but the financing portion in sharia banking is still dominated by debt financing. This study aims to analyze the factors that affect equity financing in General Sharia Bank (BUS) and Sharia Business Unit (SBU) in Indonesia. This study uses Error Correction Model. The results show that in the long-term model of Third Party Fund (DPK), Finance to Deposit Ratio (FDR), Non-Performing Financing (NPF), Inflation and Interest Rates Credit of Conventional Bank (SBK) has a significant positive effect on equity financing. BOPO variables (Operating Cost Ratio to the Operating Income) and Return on Assets (ROA) have a positive but not significant effect on equity financing. The DPK and FDR variables have a positive and significant effect on equity financing on the short-term model.

The Integration of Islamic Stock Markets of OIC Countries in China Stock Market Crisis and US-China Trade War Deri Siswara; Jaenal Effendi; Marhamah Muthoharroh
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 13, No 1 (2021)
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Abstract. The purpose of this study is to analyze the integration and response of the Islamic stock market of the OIC countries before the crisis and during the China stock market crisis, also during the United States-China trade war with the ARDL method. The results showed that there was no cointegration in the period before the China stock market crisis. However, during the period of the China stock market crisis and the United States-China trade war, the cointegration was more common. The Indonesia Islamic stock market in the two crisis periods had a long-term relationship with the US and China stock markets. In terms of the benefits of portfolio diversification for investors, there is relevance of dominant economic, geographical, and trade relations in influencing the integration of the Islamic stock market.Keywords: Market Integration, Islamic Stock, China Stock Market Crisis, US-China Trade War, ARDL. Abstrak. Tujuan penelitian ini menganalisis integrasi dan respon pasar saham syariah negara-negara OKI sebelum dan saat terjadi krisis pasar saham Tiongkok, serta saat terjadi perang dagang Amerika Serikat-Tiongkok dengan metode ARDL. Hasil penelitian menunjukan bahwa tidak terdapat kointegrasi atau hubungan jangka panjang pada semua pasar saham syariah negara-negara anggota OKI pada periode sebelum krisis pasar saham Tiongkok. Akan tetapi, pada perode krisis pasar saham Tiongkok dan perang dagang Amerika Serikat-Tiongkok, integrasi antar pasar saham syariah di negara OKI lebih banyak ditemukan. Pasar saham syariah Indonesia dalam dua periode krisis memiliki hubungan jangka panjang dengan pasar saham Amerika Serikat dan Tiongkok. Dalam hal manfaat diversifikasi portofolio bagi investor, terdapat relevansi kekuatan ekonomi yang dominan, faktor geografis, dan hubungan perdagangan dalam mempengaruhi integrasi pasar saham syariah.Kata kunci: Integrasi Pasar, Saham Syariah, Krisis Pasar Saham Tiongkok, Perang Dagang AS-Tiongkok, ARDL.

The Effect of Social Capital on Customer’s Repayment Rate at Islamic Microfinance Institution Jaenal Effendi; Annisa Rindra Utami
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 8, No 2: July 2016
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

The potency of Micro and Small Enterprises (MSEs) in Indonesia which is great, is not directly proportional to the ease of getting capital from formal financial institutions such as banks because it is not bankable. Meanwhile, microfinance institutions (MFIs) that provide financing to the MSEs are currently thriving. This condition exposes the existence of factors that cause the MFIs continuesly providing financing to MSEs which are not bankable. This research aims to analyze the effect of social capital toward the repayment rate of Islamic MFIs’ customers. The methods used in this research was the logistic regression. The results showed variable relationship with BMT employees, relations with other customers, and Islamic recitation had positive and significant effect toward the repayment rate of the customer. While recommendations, membership status, and travel time from home to the BMT had negative and significant effect. Variable outside the social capital indicator which is income rate had no significant effect.DOI: 10.15408/aiq.v8i2.2631

Co-Authors AGENG PRASETYO Amas Priatna, Isep Amelia Nadiah Wahyu Putri Anggita Aulia Pratiwi Annisa Rindra Utami Ascarya Ascarya Bambang Juanda Dedi Budiman Hakim Deri Siswara Ditta Wardhani DWI SURYANTO Ebrinda Daisy Gustiani Endriatmo Sutarto Faqih Udin dan Jono M. Munandar Meivita Amelia Hadi Riyadi Imam Teguh Saptono Imam Teguh Saptono Indah Fresma Sari Intan Aulia Ardhani Irfan Syauqi Beik Isep Amas Priatna Lisda Qotrunnada Nabila Putri Lukman M. Baga Marhamah Muthoharroh Mohammad Iqbal Irfany Muhammad Firdaus Muhammad Firdaus Mulya Tarmizi Mustica Bintang Sabiti Mustica Bintang Sabiti Muthoharroh, Marhamah Nunung Nuryartono Nunung Nuryartoro Nur Majdina Nur Rohmat Fadlil Nurkholis Yasmin Nuwailah Pangesti, Eka Rahmawati Prasetyo, Ageng Putri Ramadhani Saragih R. Bagus Sugiharto Shinta Wulandari Siti Karimah Sugema, Iman Sulisyanti, Ayu Supartoyo, Yesi Hendriani Tanti Novianti Thiarany, Usy Tita Nursyamsiah, Tita Tita Nursyamsiyah Toni Bakhtiar Triane Widya Anggriani Usy Thiarany Utami, Annisa Rindra Widya Gina Widya Syafitri Wirawan . Yeti Lis Purnamadewi Yuridistya Primadhita Yusman Syaukat Yusman Syaukat

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