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All Journal Jurnal Ekonomika Jurnal Ekonomi Syariah Teori dan Terapan Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Falah : Jurnal Ekonomi Syariah Jurnal Ilmiah Ekonomi Islam Perisai : Islamic Banking and Finance Journal Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Riwayat: Educational Journal of History and Humanities
Atina Shofawati, Atina
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences

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FACTORS AFFECTING THE FINANCING OF THE MSME SECTOR IN SHARIA BANKING IN INDONESIA: AUTOREGRESSIVE DISTRIBUTED LAG (ARDL) APPROACH Reza Dwi Anggreyni; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 7 (2020): Juli-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20207pp1350-1361

Abstract

This study aims to determine the effect of inflation, BI Rate, exchange rate, Industrial Production Index (IPI), Third Party Funds (DPK), on MSME sector financing in Islamic banking in Indonesia, both short term and long term periods from January 2014 until December 2018. This research uses a quantitative approach with Autoregressive Distributed Lag (ARDL) analysis technique. The result showed that inflation had a significant negative effect on the short and long term on MSME sector financing, while BI Rate and DPK had a significant positive effect on MSME financing in the short and long term. The exchange rate has a significant negative effect on MSME financing in the short and long term, while IPI has no significant effect on MSME financing in the short and long term in Islamic banking in Indonesia Keywords: Financing, MSME, Islamic Banks, ARDLREFFERENCESAzis, S. A. (2009). Al-Zakah. Terj. Ummu Abdillah al-Buthoniyah. Retrieved November 24, 2018, from http://www.raudhatulmuhibbin.orgBadan Pusat Statistik. (2017). Gini Rasio 2016 Kota Yogyakarta. Yogyakarta: Badan Pusat Statistik. Badan Pusat Statistik. (2018). Keadaan Ketenagakerjaan Indonesia. Jakarta: Badan Pusat Statistik. Bank Indonesia. (2016). Metadata. Jakarta: Bank Indonesia. Bappenas. (2012). Rasio Gini di Indonesia dalam Lima Tahun Terakhir. Retrieved from Bappenas Web site: https://www.bappenas.go.idBappenas. (2016). Siaran Pers: Mencapai Pertumbuhan Ekonomi 5,3% serta Pengurangan TPT 5,3-5,6% pada 2017. Jakarta: Bappenas.Beik, I. S., & Aprianti, W. N. (2013). Analisis Faktor-Faktor yang Memengaruhi Pembiayaan Bank Syaria untuk Sektor Pertanian di Indonesia. Jurnal Agro Ekonomi.Hadliroh, M. (2014). Factors Influencing Poverty in East Java Province, Indonesia Year 2000-2013. Journal of Economics and Sustainable Development.Harris, R. I. (1995). Cointegration Analysis in Econometric Modelling. Great Britain: Prentice Hall.Indonesia Investments. (2018). Inflasi di Indonesia (Indeks Harga Konsumen). Retrieved from Indonesia Investments: www.indonesia-investments.comJusmaliani, & Soekarni. (2005). Kebijakan Ekonomi dalam Islam. Yogyakarta: Kreasi Wacana.Mankiw, N. G. (2000). Teori Makro Ekonomi Edisi Keempat, ter. Imam Nurmawan. Jakarta: Penerbit Erlangga.Mawardi, I., & Widiastuti, T. (2015). Kesejahteraan dan Kemiskinan dalam Perspektif Islam. Surabaya: STAINA PRESS. Putra, L. D. (2011). Analisis Pengaruh Ketimpangan Distribusi Pendapatan terhadap Jumlah Penduduk Miskin di Provinsi Jawa Tengah Periode 2000-2007. Semarang: Universitas Diponegoro.Ravallion, M. (2001). Growth, Inequality, and Povery: Looking Beyond Averages. World Development Vol. 29 No. 11.Rosadi, D. (2011). Analisis Ekonometrika dan Runtut Waktu Terapan dengan E-Views. Yogyakarta: ANDI.Talukdar, S. R. (2012). The Effect of Inflation on Poverty in Developing Countries: A Panel Data Analysis. Texas: Texas Tech University. UN. (2010). Rethinking Poverty: Report on the World Social Situation. Department of Economic. 
THE EFFECT OF BOARD SIZE AND OWNERSHIP STRUCTURE ON FIRM VALUE IN COMPANIES LISTED IN THE JAKARTA ISLAMIC INDEX 2013 - 2018 Rayhan Jasmine; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 10 (2020): Oktober-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss202010pp2037-2049

Abstract

ABSTRAKPenelitian ini dibuat dengan tujuan untuk menguji pengaruh dari variabel bebas yakni ukuran dewan direksi (X_1), dan struktur kepemilikan yang terdiri atas kepemilikan manajerial (X_2), dan kepemilikan institusional (X_3), serta variabel lainnya yaitu firm size (X_4),Debt to Equity Ratio (X_5),Return on Asset (X_6), terhadap variabel terikat nilai perusahaan (Y). Metode dalam penelitian ini menggunakan teknik analisis regresi data panel dengan Common Effet Model (CEM) yang tepilih sebagai model terbaik yang digunakan, dimana jumlah observasi yang digunakan adalah 16 perusahaan yang terpilih dengan metode purposive sampling. Dan dari hasil analisis menunjukkan seluruh variabel independen yang digunakan dalam penelitian ini memberikan pengaruh signifikan terhadap nilai perusahaan secara simultan dan parsial.Kata kunci: board (dewan direksi), kepemilikan institusional, kepemilikan manajerial, nilai perusahaan ABSTRACTThis research was made with the aim to examine the effect of independent variables namely the size of the board of directors (X_1), and ownership structure consisting of managerial ownership (X_2), and institutional ownership (X_3), as well as other variables namely firm size (X_4), Debt to Equity Ratio (X_5), Return on Assets (X_6), to the firm value dependent variable (Y). The method in this study uses panel data regression analysis techniques with the Common Effet Model (CEM) selected as the best model used, where the number of observations used is 16 companies selected by the purposive sampling method. And the results of the analysis show all the independent variables used in this study have a significant influence on the value of the company simultaneously and partially.Keywords: board, institutional ownership, managerial ownership, firm value
Is that Financial Knowledge, Investment Experience, and Project Advertisement Have any Influence on Students’ Investment Intention in Sharia Crowdfunding? Zakkya Jihan Nabilla; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 2 (2022): Maret-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20222pp260-272

Abstract

ABSTRAK Crowdfunding Syariah merupakan salah satu bentuk fintech dengan mengumpulkan dana dari masyarakat untuk diberikan kepada pihak atau proyek yang membutuhkan bantuan dana dengan menerapkan prinsip syariah didalamnya. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh dari pengetahuan keuangan, pengalaman investasi mahasiswa dan iklan proyek terhadap minat investasi mahasiswa pada situs crowdfunding syariah di Indonesia. Pada penelitian ini digunakan metode kuantitatif dengan teknik analisis PLS-SEM. Dari hasil penelitian ditemukan bahwa pengetahuan keuangan dan iklan proyek berpengaruh signifikan terhadap minat investasi mahasiswa pada situs crowdfunding syariah, sedangkan pengalaman investasi mahasiswa memiliki pengaruh yang tidak signifikan pada minat investasi mahasiswa pada situs crowdfunding syariah di Indonesia. Kata Kunci: Pengetahuan Keuangan, Pengalaman Investasi, Iklan Proyek, Investasi Mahasiswa, Crowdfunding Syariah.   ABSTRACT Sharia crowdfunding is a form of fintech that collects funds from the public to be given to parties or projects that need financial assistance by applying sharia principles in it. This study aims to determine the effect of financial knowledge, investment experience, and project advertising on students’ investment intention in sharia crowdfunding sites in Indonesia. In this study, quantitative methods were used with PLS-SEM analysis techniques. It found that financial knowledge and project advertising had a significant effect on students’ investment intention in sharia crowdfunding sites, while students’ investment experience had an insignificant effect on the students’ investment intention in sharia crowdfunding sites in Indonesia. Keywords: Knowledge, Investment Experience, Project Advertisement, Students’ Investment, Sharia Crowdfunding.   DAFTAR PUSTAKA Alquraan, T., Alqisie, A., & Al Shorafa, A. (2016). Do behavioral finance factors influence stock investment decisions of individual investors? (Evidences from Saudi Stock Market). American International Journal of Contemporary Research, 6(3), 159–169. Awais, M., Fahad Laber, M., Rasheed, N., & Khursheed, A. (2016). Impact of financial literacy and investment experience on risk tolerance and investment decisions: Empirical evidence from Pakistan. International Journal of Economics and Financial Issues, 6(1), 73–79. Chou, S. R., Huang G. L., & Hsu H. L. (2010). Investor attitude and behavior towards inherent risk and potential in financial product. International Research Journal of Finance and Economics. Darmansyah, Fianto, B. A., Hendratmi, A., & Aziz, P. F. (2020). Factors determining behavioral intentions to use Islamic financial technology: Three competing models. Journal of Islamic Marketing, 12(4), 794–812. https://doi.org/10.1108/JIMA-12-2019-0252 Faidah, F. (2019). Pengaruh literasi keuangan dan faktor demografi terhadap minat investasi mahasiswa. JABE (Journal of Applied Business and Economic), 5(3), 251. https://doi.org/10.30998/jabe.v5i3.3484 Hardiwinoto. (2013). Teori dan praktik keputusan investasi sektor rill dan finansial. Semarang: Unimus Press. Hendratmi, A., Ryandono, M. N. H., & Sukmaningrum, P. S. (2020). Developing Islamic crowdfunding website platform for startup companies in Indonesia. Journal of Islamic Marketing, 11(5), 1041–1053. https://doi.org/10.1108/JIMA-02-2019-0022 Lacan, C., & Desmet, P. (2017). Does the crowdfunding platform matter? Risks of negative attitudes in two-sided markets. Journal of Consumer Marketing, 34(6), 472–479. https://doi.org/10.1108/JCM-03-2017-2126 Lubis, P. K. D. (2019). Influence of knowledge investment and investment motivation against the interest of investing in the stock market on economic education status of students of state university of Medan. Journal of Physics: Conference Series, 1387(1). https://doi.org/10.1088/1742-6596/1387/1/012064 Mishra, K. C., & Metilda, M. J. (2015). A study on the impact of investment experience, gender, and level of education on overconfidence and self-attribution bias. IIMB Management Review, 27(4), 228–239. https://doi.org/10.1016/j.iimb.2015.09.001 Nagy, A., & Obenberger, W. (1994). Influencing individual behavior investor. Financial Analysts Journal, 50(4), 63–68. https://doi.org/10.2469/faj.v50.n4.63 Nugroho, A. Y., & Rachmaniyah, F. (2019). Fenomena perkembangan crowdfunding di Indonesia. Ekonika: Jurnal Ekonomi Universitas Kadiri, 4(1), 34-46. https://doi.org/10.30737/ekonika.v4i1.254 Otoritas Jasa Keuangan. (2021). Statistik fintech lending periode Januari 2021. https://www.ojk.go.id/id/kanal/iknb/data-dan-statistik/fintech/Pages/Statistik-Fintech-Lending-Periode-Januari-2021.aspx Putra, S. M., & Susilowati, F. D. (2020). Pengaruh popularitas proyek dan kualitas informasi proyek pada kampanye crowdfunding. Jurnal Konsep Bisnis dan Manajemen, 7(November), 35–47. https://doi.org/10.31289/jkbm.v7i1.4225 Schwienbacher, A., & Larralde, B. (2012). Crowdfunding of small entrepreneurial ventures. SSRN Electronic Journal, 2010. https://doi.org/10.2139/ssrn.1699183 Suprihati., & Pradanawati, S. L. (2020). The influence of knowledge, investment motivation and investment understanding on student interest to invest in the capital market. International Journal of Economics, Business and Accounting Research (IJEBAR), 4(4), 1030–1038. Suyanti, E., & Hadi, N. U. (2019). Analisis motivasi dan pengetahuan investasi terhadap minat investasi mahasiswa di pasar modal. Edunomic Jurnal Pendidikan Ekonomi, 7(2), 108-116. https://doi.org/10.33603/ejpe.v7i2.2352 Taha, T., & Macias, I. (2014). Crowdfunding and Islamic finance: A good match? In Social Impact Finance (pp. 113–125). https://doi.org/10.1057/9781137372697_10 Tuyon, J., & Ahmad, Z. (2016). Behavioural finance perspectives on Malaysian stock market efficiency. Borsa Istanbul Review, 16(1), 43–61. https://doi.org/10.1016/j.bir.2016.01.001 Zheng, H., Li, D., Wu, J., & Xu, Y. (2014). The role of multidimensional social capital in crowdfunding: A comparative study in China and US. Information and Management, 51(4), 488–496. https://doi.org/10.1016/j.im.2014.03.003  
Factors that Affecting Stocks Ownership on Islamic Household in Indonesia Sal Shabia Azura Trisysty; Atina Shofawati
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 1 (2022): Januari-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20221pp1-13

Abstract

ABSTRAK Lingkungan rumah tangga keluarga merupakan tempat pertama kali kita menghadapi persoalan ekonomi. Ketidakpastian ekonomi di satu sisi meningkatkan permintaan akan perencanaan keuangan. Penelitian ini akan berfokus pada mencari tahu faktor-faktor mikro keluarga muslim di Indonesia yang dapat mempengaruhi keputusan investasi khususnya saham. Penelitian ini menerapkan metode kuantitatif dengan instrumen data sekunder Indonesia Family Life Survey (IFLS) gelombang 5. Teknik analisis data yang digunakan adalah analisis regresi probit, teknik analisis yang dilakukan dalam regresi probit meliputi; uji kelayakan model, analisis koefisien determinasi (R2), dan uji hipotesis. Berdasarkan hasil penelitian ditemukan bahwa variabel variabel jumlah keluarga, pinjaman, usia, dan status pernikahan tidak berpengaruh secara signifikan terhadap probabilitas kepemilikan saham. Adapun variabel pendapatan, tingkat pendidikan, jenis kelamin dan financial worship memiliki hubungan positif dan signifikan terhadap probabilitas kepemilikan saham pada keluarga muslim di Indonesia. Diharapkan penelitian ini dapat bermanfaat bagi Otoritas Jasa Keuangan dan Bursa Efek Indonesia sebagai informasi tambahan dan bahan pertimbangan dalam pembenahan kebijakan mengenai peningkatan literasi manajemen keuangan keluarga dan kesejahteraan masyarakat di Indonesia. Kata Kunci: Kepemilikan Saham, Pendapatan, Tingkat Pendidikan, Jumlah Tanggungan Keluarga, Pinjaman, Usia, Jenis Kelamin, Status Pernikahan, Financial Worship.   ABSTRACT The family home environment is the first place we face economic problems. Economic uncertainty on the one hand increases the demand for financial planning. This study will focus on finding out the micro factors of Muslim families in Indonesia that can influence investment decisions, especially stocks. This study applies quantitative methods with secondary data instruments Indonesia Family Life Survey (IFLS) wave 5 The data analysis technique used is probit regression analysis, the analysis techniques carried out in probit regression include; model feasibility test, analysis of the coefficient of determination (R2), and hypothesis testing. Based on the results of the study, it was found that the variables of family size, loan, age, and marital status did not significantly influence the probability of stock ownership. The variables of income, education level, gender and financial worship have a positive and significant relationship to the probability of stock ownership in Muslim families in Indonesia. It is hoped that this research can be useful for the Otoritas Jasa Keuangan and the Bursa Efek Indonesia as additional information and consideration in reforming policies regarding increasing literacy in family financial management and community welfare in Indonesia. Keywords: Stock Ownership, Income, Education Level, Number of Dependents in the Family, Loans, Age, Gender, Marital Status, Financial Worship.   DAFTAR PUSTAKA Ahmed, H. (2016). Inclusive Islamic financial planning: A conceptual framework. International Journal of Islamic and Middle Eastern Finance and Management, 9(2), 170–180. https://doi.org/10.1108/mf.2008.00934jaa.001 Anshori, M., & Iswati, S. (2009). Metode penelitian kuantitatif, edisi 1. Surabaya: Airlangga University Press. Badan Pengembangan dan Pembinaan Bahasa Kemendikbud RI. (2016). Kamus Besar Bahasa Indonesia. Jakarta: Kemendikbud RI. Badan Pusat Statistik. (n.d.). Jumlah anggota rumah tangga. Retrieved from https://sirusa.bps.go.id/sirusa/index.php/variabel/8096 ______. (2010). Penduduk menurut wilayah dan agama yang dianut Indonesia. Retrieved from https://sp2010.bps.go.id/index.php/site/tabel?tid=321 Bogan, V. L. (2008). Stock market paticipation and the internet. Journal of Financial and Quantitative Analysis, 1(43), 191–221. ______. (2015). Household asset allocation, offspring education, and the sandwich generation. American Economic Review, 105(5), 611–615. https://doi.org/10.1257/aer.p20151115 Brounen, D., Koedijk, K. G., & Pownall, R. A. J. (2016). Household financial planning and savings behavior. Journal of International Money and Finance, 69, 95–107. https://doi.org/10.1016/j.jimonfin.2016.06.011 Brown, S., Ghosh, P., & Taylor, K. (2016). Household finances and social interaction: Bayesian analysis of household panel data. Review of Income and Wealth, 62(3), 467–488. https://doi.org/10.1111/roiw.12174 Bursa Efek Indonesia. (2020). Saham. Retrieved from https://www.idx.co.id/produk/saham/ Cardak, B. A., & Wilkins, R. (2009). The determinants of household risky asset holdings: Australian evidence on background risk and other factors. Journal of Banking and Finance, 33(5), 850–860. https://doi.org/10.1016/j.jbankfin.2008.09.021 Chang, C.-C., DeVaney, S. A., & Chiremba, C. (1999). Determinants of subjective and objective risk tolerance. Journal of Personal Finance, 3(3), 53–67. Chariri, A., & Ghozali, I. (2005). Teori akuntansi. Semarang: Universitas Diponegoro. CNN Indonesia. (2021). 180 juta umat muslim, baru 30 juta jadi nasabah bank syariah. Retrieved from https://www.cnnindonesia.com/ekonomi/20210210164446-78-604821/180-juta-umat-muslim-baru-30-juta-jadi-nasabah-bank-syariah Croson, R., & Gneezy, U. (2009). Gender differences in preferences. Journal of Economic Literature, 47(2), 448–474. DOI: 10.1257/jel.47.2.448 Eagly, A. H., Beall, A. E., & Sternberg, R. J. (2013). The psychology gender. USA: Washington State University. Feng, X., Lu, B., Song, X., & Ma, S. (2019). Financial literacy and household finances: A bayesian two-part latent variable modeling approach. Journal of Empirical Finance, 51, 119–137. https://doi.org/10.1016/j.jempfin.2019.02.002 Gao, M., & Fok, R. C. W. (2015). Demographics, family/social interaction, and household finance. Economics Letters, 136, 194–196. https://doi.org/10.1016/j.econlet.2015.09.027 Ghozie, P. (2013). Make it happen!. Jakarta: PT Gramedia Pustaka Utama. Gutter, M. S., & Fontes, A. (2006). Racial differences in risky asset ownership: A two-stage model of the investment decision-making process. Journal of Financial Counseling and Planning, 17(2), 64–78. Gutter, M. S., Fox, J. J., & Montalto, C. P. (1999). Racial differences in investor decision making. Financial Services Review, 8(3), 149–162. https://doi.org/10.1016/s1057-0810(99)00040-2 Halko, M., Kaustia, M., & Alanko, E. (2012). The gender effect in risky asset holdings. Journal of Economic Behavior and Organization, 83(1), 66–81. https://doi.org/10.1016/j.jebo.2011.06.011 Hilman, L. (2013). Agama dan pelayanan sosial: Interpretasi dan aksi filantropi dalam tradisi muslim dan kristen di Indonesia, 9(2), 174–189. Huda, N., Rini, N., Mardoni, Y., & Putra, P. (2012). The analysis of attitudes, subjective norms, and behavioral control on muzakki’s intention to pay zakah. International Journal of Business and Social Science, 3(22), 271–279. Ikatan Akuntansi Indonesia. (2010). Pernyataan standar akuntansi keuangan 23. Jakarta: IAI. ______. (2013). PSAK No. 1 penyajian laporan keuangan. Jakarta: IAI. Kementerian Agama RI. (2002). Al-Qur’an dan terjemahannya. Jakarta: Kemenag RI. Kieso, D. E., Weygandt, J. J., Warfield, T. D. (2012). Intermediate accounting, 14th edition. USA: Wiley. Mahkamah Konstitusi Republik Indonesia. (1974). Undang-Undang Republik Indonesia Nomor 1 Tahun 1974 tentang Perkawinan (Issue 2). Jakarta: MK RI. Mittra, S., Sahu, A. P., & Fischer, B. (2005). Practicing financial planning for professionals. USA: SAGE Publishing. Nadeau, R., Foucault, M., & Lewis-Beck, M. S. (2011). Assets and risk: A neglected dimension of economic voting. French Politics, 9(2), 97–119. https://doi.org/10.1057/fp.2011.5 Noerhidajati, S., Purwoko, A. B., Werdaningtyas, H., Kamil, A. I., & Dartanto, T. (2020). Household financial vulnerability in Indonesia: Measurement and determinants. Economic Modelling, 96(March), 433-444. https://doi.org/10.1016/j.econmod.2020.03.028 Otoritas Jasa Keuangan. (2019). Survei 2019 OJK: Indeks literasi dan inklusi keuangan meningkat. 1–6. Retrieved from https://www.ojk.go.id/id/berita-dan-kegiatan/siaran-pers/Pages/Siaran-Pers-Survei-OJK-2019-Indeks-Literasi-Dan-Inklusi-Keuangan-Meningkat.aspx ______. (2021). Market update pasar modal syariah Indonesia. Retrieved from https://doi.org/10.1002/9781119196709.app1 Papalia, R. D. E., Olds, S. W., & Feldman, R. D. (2009). Human Development. New York: McGraw-Hill. Rashid, N. K. A., Nasir, A., Anang, Z., & Alipiah, R. M. (2018). Determinants of muslim household basic needs consumption expenditures. Jurnal Ekonomi Malaysia, 52(1), 309–323. https://doi.org/10.17576/jem-2018-5201-23 Suwardi, A. (2011). Modul stata: LPM, logit, dan probit model. Depok: Lab Komputasi Departemen Ilmu Ekonomi FEUI. Syahrial, M. (2011). Anakku maukah kau jadi pengusaha? Jakarta: Lentera Ilmu Cendekia. Wu, S., & Shen, W. (2017). The relationship between credit constraints and household risky assets. 1–23. Retrieved from http://www.diva-portal.org/smash/get/diva2:1127991/FULLTEXT01.pdf Yao, R., & Hanna, S. D. (2005). The effect of gender and marital status on financial risk tolerance. Journal of Personal Finance, 4(1), 66–85.
Socio-Economic Disclosure in Islamic Banking Case Study in Indonesia Atina Shofawati
Global Review of Islamic Economics and Business Vol 1, No 3 (2014)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (374.698 KB) | DOI: 10.14421/grieb.2014.013-03

Abstract

Islamic Banking must give benefit for their stakeholders. Benefit reflects the performance of Islamic Banking which can be seen through their annual reports. One of important information which reflects the performance of Islamic Banking is socio-economicdisclosure. This report gives information about the performance of Islamic Banking which covers social and economic aspects which show the social economic responsibility of Islamic Banking. Socio-economic disclosure indicators have been taken from Corporate Social Performance which are the indicators consist of four parts, namely community involvement; human resources; natural resources and contribution to the environment; contribution to the product or service. This paper uses qualitative method. This research identifies the socioeconomic disclosure from annual report of Islamic Banking in Indonesia, majoring Bank Syariah Mandiri and Bank Muamalat Indonesia. The result of this paper shows that Bank Syariah Mandiri and Bank Muamalat Indonesia conduct social economic responsibility through socio-economic disclosure from annual report of both of the Islamic Banks in 2009.
FAKTOR-FAKTOR YANG MEMPENGARUHI TINGKAT MARGIN MURABAHAH PADA INDUSTRI PERBANKAN SYARIAH PERIODE 2012-2017 Khiaroh Ekawati; Atina Shofawati
Jurnal Ekonomi dan Bisnis Islam | Journal of Islamic Economics and Business Vol. 5 No. 1 (2019): JANUARY-JUNE 2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (890.084 KB) | DOI: 10.20473/jebis.v5i1.10901

Abstract

This study aims to determine the effect of Financing to Deposit Ratio, profit sharing of third party funds, overhead cost, and BI rate on Murabahah margin rate in Islamic Bank Industries in Indonesia period 2012-2017. This research use multiple linear regression analysis. There are four independent variable in this research namely Financing to Deposit Ratio, Profit Sharing Of Third Party Funds, Overhead Cost, and BI Rate. The sample in this study used a saturated sample, while data were taken from Islamic Bank Statistic issued by OJK, while BI rate taken from www.bi.go.id. The result show that Financing to Deposit Ratio and profit sharing of thirty party funds has positive and significant effect on the Murabahah margin rate. While overhead cost and BI rate has no effect on the Murabahah margin rate. All the independent variables in this research are simultaneously has significant effect on the Murabahah margin rate.Keywords: Financing to Deposit Ratio (FDR), profit sharing of third party funds, overhead cost, BI rate, Murabahah margin rate.
Manajemen Risiko Operasional Pada PT Bank Pembiayaan Rakyat Syariah (BPRS) Jabal Nur Tebuireng di Surabaya Wienanda Rizka Sukma Jelita; Atina Shofawati
Falah: Jurnal Ekonomi Syariah Vol. 4 No. 1 (2019): Februari 2019
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v4i1.8733

Abstract

This study present to determine the management analysis of BPRS. This study was conducted at management that is different from the phenomenon that occurs in the object of research, namely PT BPRS Jabal Nur Tebuireng. This study uses qualitative methods with a case study approach. The way to manage the data is done by a focused open-ended method. The analysis technique used is matchmaking of patterns by comparing empirical patterns with predicted patterns. PT BPRS Jabal Nur Tebuireng has carried out operational management in accordance with ISO 31000 (2009). Possible conditions, but at the time of BPRS analysis Jabal Nur did not make a list of risks in which there was a Composite Risk Index (CRI) and made a matrix. In the evaluation phase, it was found that BPRS Jabal Nur Tebuireng were people involved in internal processes and fraud. So far BPRS Jabal Nur Tebuireng has been handling various operations.
Baitul Mal Wat Tamwil Architectural Map: Institutional and Regulatory Analysis Pupun Saepul Rohman; Nisful Laila; Atina Shofawati
Perisai : Islamic Banking and Finance Journal Vol 6 No 1 (2022): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i1.1583

Abstract

Bait al-maal wa al-tamwiil is a sharia microfinance concept that only exists in Indonesia. There is a uniqueness in the concept, namely the merging of social activities with commercial activities in one institution. This institution was born along with the birth of Islamic banking in Indonesia. This study collects a number of literatures to describe the architectural map of BMT in Indonesia. Currently BMTs mostly operate under Law no. 25 of 1992 concerning Cooperatives and a few others operate under the Financial Services Authority (OJK) through Law no. 1 of 2013 concerning Microfinance Institutions (MFIs). The DSN MUI fatwa which is the basis for the existence of BMT is the DSN-MUI Fatwa No. 141/DSN-MUI/VIII/2021 concerning Guidelines for the Establishment and Operation of Sharia Cooperatives.
Pengaruh Manajemen GAP, Modal, Likuiditas, Risiko Pembiayaan, Tingkat Efisiensi dan Ukuran Bank (Size) terhadap Net Interest Margin pada Bank Syariah Mandiri, Bank BRI Syariah dan Bank BNI Syariah Tahun 2015-2019 Inna Cikita Mahdatika; Atina Shofawati
Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 7 No 2 (2022): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (432.266 KB) | DOI: 10.36908/isbank.v7i2.304

Abstract

Net Interest Margin (NIM) is an indicator of the operational efficiency of a bank which is considered an important instrument used to assess the ability of effectiveness and managerial efficiency in utilizing bank resources and is also very important for controlling bank spending. This study aims to determine the relationship between Gap Management, Capital, Liquidity, Financing Risk, Efficiency Level and Bank Size (Size) on Net Interest Margin (NIM) at Mandiri Sharia Bank, BRI Sharia and BNI Sharia 2015-2019. Using panel data regression support with Random Effect Methods (REM). The results showed that simultaneously all exogenous variables have a significant effect on the endogenous variable Net Interest Margin (NIM). Partially the Gap Management and Liquidity variables have a significant positive effect on Net Interest Margin (NIM). Meanwhile, the variables of Capital and Bank Size have a significant negative effect on Net Interest Margin (NIM). However, the variable financing risk and efficiency level did not have a significant effect on the Net Interest Margin (NIM) at PT. Bank Syariah Mandiri Tbk, PT. Bank BNI Syariah Tbk, PT. BRI Syariah Tbk.
The Role of Islamic Microfinance Institutions in Poverty Reduction: A Study of Scopus Indexed Journal Literature Pupun Saepul Rohman; Nisful Laila; Atina Shofawati
Perisai : Islamic Banking and Finance Journal Vol 6 No 2 (2022): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v6i2.1581

Abstract

This study aims to reveal the development of research on the theme of Islamic microfinance institutions from reputable international journals. This study uses a qualitative approach, namely literature review. The literature search went through a series of stages to ensure that only papers sourced from reputable journals were featured in this study. The results of the study found that there were 181 papers with the theme of Islamic microfinance institutions from international journals indexed by Scopus. The development of research related to Islamic microfinance has increased, especially in the last three years (2019, 2020, 2021). The implication of this research is that this study proves in the literature the important role of Islamic microfinance institutions in alleviating poverty. This is a valuable input for related parties, especially the government, to pay more attention to the infrastructure required by Islamic microfinance institutions.
Co-Authors Anggreyni, Reza Dwi Annisa Rahma Febriyanti Arfiliananda, Alvian Argya Kirana Hasanah Raharyan Audina Ayu Hidayati Dita Permata Syafitri Dita Permata Syafitri, Dita Permata Faadilah, Farah Farah Faadilah Firsty Dzanurrahmana Zein Hidayati, Audina Ayu Hilda Sukma Puspita Inan Nati Ismah Inna Cikita Mahdatika Irma Faikhotul Hikmah Ismah, Inan Nati Jelita, Wienanda Rizka Sukma Khiaroh Ekawati Kholifatun Nahdliyah Linda Dwi Wahyu Putri Listiyanti, Yessy M. Alvian Arfiliananda Mas’amah Mas’amah Mohamad Arif Wahyudi Mohammad Ilyas MUHAMMAD HARIS Nadia Sarasyanti Nisaaul Jamil Nisful Laila Noer Cholilah Nur Rohman Azis Pupun Saepul Rohman Puspita, Hilda Sukma Putri, Linda Dwi Wahyu Qorony, Ahmad Waisul Rayhan Jasmine Renata Amelia Soegiharto Retno Wulandari Reza Dwi Anggreyni Rezy Aziz Rezy Aziz, Rezy Rinaldi Triawan Sal Shabia Azura Trisysty Sarasyanti, Nadia Taufik, Nisrina Amani Triawan, Rinaldi Ulfa Dwi Nurfajrina Wienanda Rizka Sukma Jelita Yessy Listiyanti Yolanda Hani Putriani Yolanda Hani Putriani, Yolanda Hani Zakkya Jihan Nabilla