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All Journal Ahkam: Jurnal Ilmu Syariah Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI JURNAL ECONOMIA Jurnal Keuangan dan Perbankan Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) IJTIHAD Jurnal Wacana Hukum Islam dan Kemanusiaan At-Taradhi: Jurnal Studi Ekonomi YUDISIA : Jurnal Pemikiran Hukum dan Hukum Islam Jurnal Cita Hukum Jurnal Ilmiah Ekonomi Islam Liquidity: Jurnal Riset Akuntansi dan Manajemen Jurnal Ilmiah Wahana Akuntansi Jurnal Ekonomi & Keuangan Islam JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi) ALQALAM Jurnal Hukum Ekonomi Syariah Misykat: Jurnal Ilmu-ilmu Al-QurÆan, Hadist, Syariah dan Tarbiyah Jurnal Hukum Ekonomi Syariah Jurnal Ilmiah Manajemen Kesatuan MALIA: Journal of Islamic Banking and Finance JES (Jurnal Ekonomi Syariah El-Qist : Journal of Islamic Economics and Business (JIEB) JOURNAL of LEGAL RESEARCH AL-MULTAZIM : Jurnal Manajemen Bisnis Syariah Al-MIKRAJ: Jurnal studi Islam dan Humaniora EKONOMIKA SYARIAH : Journal of Economic Studies Al-Infaq : Jurnal Ekonomi Islam Mizan: Journal of Islamic Law
Muhamad Nadratuzzaman Hosen
UIN Syarif Hidayatullah Jakarta
Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Social Sciences Other

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PENGUKURAN TINGKAT KESEHATAN DAN GEJALA FINANCIAL DISTRESS BANK UMUM SYARIAH Hosen, Muhamad Nadratuzzaman; Nada, Shofaun
Jurnal Economia Vol 9, No 2: October 2013
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (287.29 KB) | DOI: 10.21831/economia.v9i2.1811

Abstract

Abstrak: Pengukuran Tingkat Kesehatan dan Gejala Financial Distress Bank Umum Syariah. Penelitian ini bertujuan untuk mengukur, menganalisis serta membandingkan tingkat kesehatan Bank Umum Syariah (BUS) dengan menggunakan metode CAMELS dan metode Multiple ECR. Faktor asset terdiri dari rasio KAP dan NPF, faktor earning mencakup rasio NOM, ROA, ROE dan REO serta faktor terakhir liquidity mencakup rasio STM dan STMP. Sedangkan pada Multiple Discriminant Analysis (MDA) Altman Z-score. Berdasarkan hasil analisis dengan CAMEL ditemukan bahwa ketiga bank syariah yang diteliti tergolong sehat, namun demikian hasil MDA menyatakan ketiga bank tersebut dalam kondisi bankrut. Temuan yang bertentangan tersebut menunjukkan bahwa metode MDA ternyata tidak tepat untuk diterapkan pada perbankan karena karakteristik perbankan sebagai financial intermediatory jauh berbeda dengan karakteristik perusahaan.   Kata kunci: kesehatan bank, CAMELS, financial distress Abstract: Measurement of Financial Soundness and Financial Distress Symptom of Commercial Bank. This study aims to measure, analyze and compare the level of Islamic Banks (BUS) soundness using the CAMELS and the Multiple ECR method. The results of the CAMEL analysis show that the three Islamic banks studied are healthy. However, the results of the MDA analysis suggest that those three banks are categorized bankrupt. This conflicting finding indicates that MDA method is not appropriate to assess commercial banks. This is because the natures of commercial bank as a financial intermediary are much different from those of the company. Keywords:  Bank Soundness, CAMELS, financial distress
Pengukuran Kinerja Keuangan pada PT Bank Muamalat Indonesia (BMI) Periode 2019-2021 Umiyati; Hosen, M. Nadratuzzaman; Qizam, Ibnu
Jurnal Ilmiah Wahana Akuntansi Vol. 18 No. 2 (2023): Jurnal Ilmiah Wahana Akuntansi
Publisher : Fakultas Ekonomi dan Bisnis dan LPPM Universitas Negeri Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/Wahana.18.026

Abstract

This study aims to determine the financial performance of Bank Muamalat Indonesia in the 2019-2021 period using the CAMEL method, RGEC and Altma Z Score analysis. The research sample is Bank Muamalat Indonesia using criteria that have been considered and desired by the researchers according to the research objectives. The results of the study show that during the 2019-2021 period, they experienced poor performance in terms of profitability, equity. However, different things occur in the capital ratio and capital adequacy which have more optimal performance than other ratios. Based on the results of the soundness level, steps to improve the condition of Bank Muamalat are by strengthening capital, followed by improving asset quality by completing the NPF
BANK NTB SYARIAH'S SOUNDNESS: A MULTI-METHOD ASSESSMENT USING CAMELS, RGEC, AND ALTMAN Z-SCORE Syahrir, Dimas Kenn; Hosen, M. Nadratuzzaman; Wahyudi, Ickhsanto
JMBI UNSRAT (Jurnal Ilmiah Manajemen Bisnis dan Inovasi Universitas Sam Ratulangi). Vol 10 No 3 (2023): JMBI UNSRAT Volume 10 Nomor 3
Publisher : FEB Universitas Sam Ratulangi Manado

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35794/jmbi.v10i3.50412

Abstract

This paper endeavors to appraise the level of stability of Bank NTB Syariah during the time span of 2019 to 2021, by employing the CAMELS technique (which scrutinizes the bank's Capital, Assets, Management, Earnings, Liquidity, and Market Sensitivity), RGEC (which assesses the Risk Profile, Good Corporate Governance (GCG), Earnings, and Capital), as well as the Altman Z Score method (which analyzes the potential for bankruptcy). The data utilized for this research were procured through the application of documentation techniques and sourced from the financial statements and annual reports of Bank NTB Syariah, from 2019 to 2021. The data analysis technique utilized involved an evaluation of the bank's level of stability, utilizing a risk-based approach, encompassing the CAMELS, RGEC, and Altman Z Score factors. Based on the appraisal of the level of stability of PT. Bank NTB Syariah from 2019 to 2021, as evaluated by the comprehensive RGEC and CAMELS approach, the bank is deemed to be in a sound financial condition. However, the results of the bankruptcy prediction analysis, utilizing the Altman Z Score model, indicate that the financial state of Bank NTB Syariah in 2021 is situated in a nebulous area, albeit superior to its condition in 2020 and 2019, which indicated an indication of financial distress and potential bankruptcy.
The Management of Productive Zakat in Indonesia: The Case of Baznas’ Economic Empowerment Program Hosen, Muhamad Nadratuzzaman; Hidayat, Rahmat; Hidayah, Nur; Lathifah, Fitriyani
Signifikan: Jurnal Ilmu Ekonomi Vol 13, No 2 (2024)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.42673

Abstract

Research Originality: This study contributes to the gap in the literature on the empowerment process in measuring the success history of zakat management.Research Objectives: This research aims to measure the factors influencing the improvement of Mustahik's welfare through a mediating variable, namely, the empowerment process.Research Methods: This research uses mixed-method analysis through quantitative and qualitative approaches. Quantitative approach using SEM-PLS.Empirical Results: The study's findings show that the empowerment process is a mediating variable capable of providing more substantial value and a favorable influence on Mustahik welfare, depending on input factors such as zakat funds and mentorship at the individual, organizational, and community levels. Meanwhile, the Z-Chicken initiative had no substantial positive influence on Mustahik's welfare.Implications: The study's findings indicate the necessity of assessing Baznas' management of distribution programs to improve the empowerment process, primarily via the community empowerment method.JEL Classification: I30, I31, O12
Public perception of the revitalization of Indonesian Waqf Institution Hidayah, Nur; Mutiara, Tira; Hosen, Muhamad Nadratuzzaman; Larasati, Diah; Wahab, Abdul
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.6297

Abstract

Indonesian Waqf Institution (BWI/Badan Wakaf Indonesia) was formed based on Law Number 41 of 2004 concerning Waqf. BWI has a firm legal standing within the national legal structure. However, several articles in the Waqf Law have an unfavorable impact on the performance of BWI. Waqf's potential and actualization gap is still significant amidst low public trust in Nazir's governance. BWI is also considered not optimal in developing the potential of Waqf in Indonesia. This study aimed to determine public perceptions regarding the proposed revitalization of BWI duties, functions, and authorities in the more ideal Waqf Management rules. The data collection method used was a questionnaire distributed to the public. The data were analyzed by descriptive statistics. The results showed that the community less agreed with expanding the role of BWI. It is possible due to the lack of public knowledge regarding issues related to the management and development of Waqf that are currently occurring. The community has not been able to adapt to changes, and it tends to be challenging to revitalize BWI's duties, functions, and authorities in waqf regulations.Badan Wakaf Indonesia (BWI) dibentuk berdasarkan Undang-Undang Nomor 41 tahun 2004 tentang Wakaf. BWI memiliki kedudukan hukum yang kuat dalam struktur hukum nasional. Namun, beberapa pasal yang tercantum dalam Undang-Undang Wakaf justru berdampak kurang baik terhadap kinerja BWI. Gap potensi dan aktulisasi Wakaf dinilai masih sangat besar, ditengah rendahnya kepercayaan publik pada tata kelola Nazir. BWI juga dinilai belum optimal dalam mengembangkan potensi wakaf di Indonesia. Penelitian ini bertujuan untuk mengetahui persepsi masyarakat terkait adanya revitalisasi tugas, fungsi dan wewenang BWI dalam aturan Pengelolaan Wakaf yang lebih ideal. Metode pengumpulan data yang digunakan adalah kuesioner yang disebar kepada masyarakat. Data yang diperoleh dianalisis secara statistik deskriptif. Hasil penelitian menunjukan bahwa masyarakat kurang setuju dengan perluasan peran BWI. Hal ini dimungkinkan karena kurangnya pengetahuan masyarakat terkait isu permasalahan terkait pengelolaan dan pengembangan wakaf yang saat ini terjadi. Masyarakat belum dapat beradaptasi dengan perubahan dan cenderung enggan terhadap upaya revitalisasi tugas, fungsi dan wewenang BWI dalam regulasi wakaf.
Strengthening the Role of Sharia Banking in Financing Solar Power Plants to Support Sustainable Development in Indonesia Djauhari, Haikal; Al Arif, Muhammad Nur Rianto; Hosen, Muhamad Nadratuzzaman
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 16, No 2 (2024)
Publisher : Faculty of Sharia and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v16i2.39637

Abstract

The reluctance of Islamic banking to participate in financing solar power plants is primarily due to higher risk and lower economic value than fossil-based energy. This study proposes a risk management guidance and financing model to strengthen the role of Sharia Banking in financing solar power plants and support sustainable development in Indonesia. There is a significant gap in the study of risk management and the Syariah financing model for solar power plants. We used a qualitative method that involved expert consultations and literature studies to identify the risks of solar power plants. We also derived an equity-based Diminishing Musyarakah for the Sharia financing model. The study’s result is a risk management framework and a Sharia financing scheme for solar power plants. By using this framework Sharia banks can increase their participation in supporting sustainable development. Keengganan perbankan syariah untuk berpartisipasi dalam pembiayaan pembangkit listrik tenaga surya terutama disebabkan oleh risiko yang lebih tinggi dan nilai ekonomi yang lebih rendah daripada energi berbasis fosil. Studi ini mengusulkan sebuah panduan manajemen risiko dan model pembiayaan untuk memperkuat peran Perbankan Syariah dalam pembiayaan pembangkit listrik tenaga surya dan mendukung pembangunan berkelanjutan di Indonesia. Terdapat kesenjangan yang signifikan dalam studi manajemen risiko dan model pembiayaan Syariah untuk pembangkit listrik tenaga surya. Kami menggunakan metode kualitatif yang melibatkan konsultasi dengan para ahli dan studi literatur untuk mengidentifikasi risiko pembangkit listrik tenaga surya. Kami juga menurunkan Musyarakah yang semakin berkurang berbasis ekuitas untuk model pembiayaan Syariah. Hasil dari penelitian ini adalah sebuah kerangka kerja manajemen risiko dan skema pembiayaan Syariah untuk pembangkit listrik tenaga surya. Dengan menggunakan kerangka kerja ini, bank-bank Syariah dapat meningkatkan partisipasi mereka dalam mendukung pembangunan berkelanjutan.
The Management of Productive Zakat in Indonesia: The Case of Baznas’ Economic Empowerment Program Hosen, Muhamad Nadratuzzaman; Hidayat, Rahmat; Hidayah, Nur; Lathifah, Fitriyani
Signifikan: Jurnal Ilmu Ekonomi Vol. 13 No. 2 (2024)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i2.42673

Abstract

Research Originality: This study contributes to the gap in the literature on the empowerment process in measuring the success history of zakat management.Research Objectives: This research aims to measure the factors influencing the improvement of Mustahik's welfare through a mediating variable, namely, the empowerment process.Research Methods: This research uses mixed-method analysis through quantitative and qualitative approaches. Quantitative approach using SEM-PLS.Empirical Results: The study's findings show that the empowerment process is a mediating variable capable of providing more substantial value and a favorable influence on Mustahik welfare, depending on input factors such as zakat funds and mentorship at the individual, organizational, and community levels. Meanwhile, the Z-Chicken initiative had no substantial positive influence on Mustahik's welfare.Implications: The study's findings indicate the necessity of assessing Baznas' management of distribution programs to improve the empowerment process, primarily via the community empowerment method.JEL Classification: I30, I31, O12
Analisa Tingkat Kesehatan PT. Bank BTPN Syariah Tbk. Periode 2016 -2020 dengan Metode Camels, RGEC dan Altman Z-Score: Bank Health Level Analysis Using Camels, RGEC, and Altman Z-Score Methods on PT. Bank BTPN Syariah Tbk. Period 2016 -2020 Ashuri, Reni Kristiana; Hosen, Muhamad Nadratuzzaman
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 12 No. 1 (2022): April
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2022.12.1.77-95

Abstract

Abstract: This study aimed to analyze the soundness of one of the Islamic banks in Indonesia, namely PT. Bank BTPN Syariah Tbk. This study is descriptive research with a quantitative approach. The data used is secondary data obtained from the annual financial statements of Bank BTPN Syariah for the period 2016-2020. The analytical technique used is the CAMELS, RGEC and Altman Z-Score methods. The overall study results show that the health of Bank BTPN Syariah in the period 2016-2020 is at the 'Very Healthy' level on the CAMELS assessment, while the RGEC assessment shows the 'Very Healthy' level and the 'Healthy' rating on the Altman Z-Score assessment. The excellent health condition of Bank BTPN Syariah during the Covid-19 pandemic was apparently inseparable from the management's efforts to carry out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show similar results, so they can be used as a reference for calculating the health of other Islamic banks. Keywords: Bank Soundness Level; CAMELS; RGEC; Altman Z-Score.   Abstrak: Tujuan penelitian ini adalah untuk menganalisis tingkat Kesehatan salah satu Bank Syariah di Indonesia, yaitu PT. Bank BTPN Syariah tbk. Penelitian ini merupakan penelitian deskriptif dengan pendekatan kuantitatif. Data yang digunakan adalah data sekunder yang didapat dari laporan keuangan tahunan Bank BTPN Syariah periode 2016-2020. Teknik analisis yang digunakan adalah metode CAMELS, RGEC dan Altman Z-Score. Hasil penelitian secara keseluruhan memperlihatkan bahwa kesehatan Bank BTPN Syariah pada periode 2016-2020 berada pada tingkat ‘Sangat Sehat’ pada penilaian CAMELS, sedangkan penilaian RGEC menunjukkan tingkat ‘Sangat Sehat’ serta peringkat ‘Sehat’ pada penilaian Altman Z-Score. Kondisi kesehatan Bank BTPN Syariah yang baik pada masa pandemi Covid-19 ternyata tidak lepas dari usaha manajemen dalam melakukan strategi serta mitigasi risiko yang tepat, fokus dan terencana. Ketiga metode analisis menunjukkan hasil yang serupa sehingga dapat dijadikan acuan perhitungan untuk menilai kesehatan Bank Syariah yang lain. Kata Kunci: Tingkat Kesehatan Bank; CAMELS; RGEC; Altman Z-Score.  
Public perception of the revitalization of Indonesian Waqf Institution Hidayah, Nur; Mutiara, Tira; Hosen, Muhamad Nadratuzzaman; Larasati, Diah; Wahab, Abdul
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 1 (2023): June 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i1.6297

Abstract

Indonesian Waqf Institution (BWI/Badan Wakaf Indonesia) was formed based on Law Number 41 of 2004 concerning Waqf. BWI has a firm legal standing within the national legal structure. However, several articles in the Waqf Law have an unfavorable impact on the performance of BWI. Waqf's potential and actualization gap is still significant amidst low public trust in Nazir's governance. BWI is also considered not optimal in developing the potential of Waqf in Indonesia. This study aimed to determine public perceptions regarding the proposed revitalization of BWI duties, functions, and authorities in the more ideal Waqf Management rules. The data collection method used was a questionnaire distributed to the public. The data were analyzed by descriptive statistics. The results showed that the community less agreed with expanding the role of BWI. It is possible due to the lack of public knowledge regarding issues related to the management and development of Waqf that are currently occurring. The community has not been able to adapt to changes, and it tends to be challenging to revitalize BWI's duties, functions, and authorities in waqf regulations.Badan Wakaf Indonesia (BWI) dibentuk berdasarkan Undang-Undang Nomor 41 tahun 2004 tentang Wakaf. BWI memiliki kedudukan hukum yang kuat dalam struktur hukum nasional. Namun, beberapa pasal yang tercantum dalam Undang-Undang Wakaf justru berdampak kurang baik terhadap kinerja BWI. Gap potensi dan aktulisasi Wakaf dinilai masih sangat besar, ditengah rendahnya kepercayaan publik pada tata kelola Nazir. BWI juga dinilai belum optimal dalam mengembangkan potensi wakaf di Indonesia. Penelitian ini bertujuan untuk mengetahui persepsi masyarakat terkait adanya revitalisasi tugas, fungsi dan wewenang BWI dalam aturan Pengelolaan Wakaf yang lebih ideal. Metode pengumpulan data yang digunakan adalah kuesioner yang disebar kepada masyarakat. Data yang diperoleh dianalisis secara statistik deskriptif. Hasil penelitian menunjukan bahwa masyarakat kurang setuju dengan perluasan peran BWI. Hal ini dimungkinkan karena kurangnya pengetahuan masyarakat terkait isu permasalahan terkait pengelolaan dan pengembangan wakaf yang saat ini terjadi. Masyarakat belum dapat beradaptasi dengan perubahan dan cenderung enggan terhadap upaya revitalisasi tugas, fungsi dan wewenang BWI dalam regulasi wakaf.
Mapping and Correlation Analysis of Efficiency and Profitability: The Case of Islamic Rural Bank in Indonesia Warninda, Titi Dewi; Hosen, M. Nadratuzzaman
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol. 7 No. 1 (2015)
Publisher : UNIVERSITAS ISLAM NEGERI SYARIF HIDAYATULLAH JAKARTA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/aiq.v7i1.1354

Abstract

This research aims to analyze efficiency  and  profitability  of  Islamic  Rural  Banks  in  Indonesia  using Variable Returns to Scale model of Data Envelopment Analysis and efficiency-profitability matrix.  The  results  of  this  research  show  that  most  of  Islamic  Rural  Banks  are included in the Dog quadrant (high efficiency but low profitability) and Sleeper quadrant (low efficiency but high profitability). Meanwhile, the result of correlation analysis between efficiency and profitability indicates that efficiency has a negative correlation with profitability. Negative correlation of efficiency and profitability is in accordance with the result of efficiency-profitability matrix. The results of this research show that not all of Islamic Rural Bank which have high efficiency are also having high profitability.DOI:10.15408/aiq.v7i1.1354
Co-Authors Abdul Wahab Abdul Wahab Abdul Wahab Acsa, Fadilla Ungaro Agung Maulana Ahmad Afif Ahmad Rodoni Al Arif, Muhammad Nur Rianto Andar Zulkarnain Hutagalung Ashuri, Reni Kristiana Chajar Matari Fath Mala Chajar Matari Fath Mala Deden Misbahudin Muayyad Diah Larasati Diah Larasati Diah Larasati, Diah Dian Aura Lina Djauhari, Haikal Dwi Nur’aini Ihsan Euis Amalia Fadilla Ungaro Acsa Ferry Jie Fitria Mustapa Hafid Asy’ari Harisah Harisah Harisah, Harisah HUSNI SHABRI Irianti, Dwi Kevin Costner Kardius Mas Arif Mohammad Nur Rianto Al Arif Muchtar, Masruri Muhamad Nasrulloh Muhammad Amin Suma Muhammad Fudhail Rahman Muhammad Khairman Muhammad Zaid Farhand Mutiara, Tira Nasimul Falah Nur Azlina Nur Hidayah Nur Hidayah Nur Hidayah Nur Hidayah Nur Octoviyana Rahmah Permanasari, Anita Qizam, Ibnu Rahma Dwi Saputri Rahmah, Nur Octoviyana Rahmat Hidayat Rembulan Rahmadia Fitri Reni Kristiana Ashuri Salmarani Salsabila Shofaun Nada Siti Aisyah Syafaat Muhari Syafaat Muhari Syafaat Muhari Syahrir, Dimas Kenn Tb. Hafizh Sulthon Alshazmy Tira Mutiara Tira Mutiara Titi Dewi Warninda Umiyati Wahyudi, Ickhsanto