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Efficiency Analysis of Islamic Banking in Indonesia 2015 - 2018 using Stochastic Frontier Method Fatimah Yoshio Hata; Suharno Suharno; Muhammad Farid Alfarisy
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 2 (2020): .
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7016

The research objective is to analyze the efficiency of Islamic banking in Indonesia from 2015 to 2018. The quantitative approach was chosen to be used to determine and answer in this research stage. The choice of analysis in this study uses the Stochastic Frontier Approach (SFA) method. The criteria for determining variables based on estimated cost functions consist of input variables in the form of savings and labor, and output variables in the form of financing and securities, the independent variable is total costs. The sample consisted of 10 Islamic Commercial Banks (BUS) used in this study. The overall average efficiency value of Islamic banking is 85.7%, with an increase in value every year in the observation period. Savings and labor variables have a positive effect on total costs, financing variables and securities have a negative sign of total costs during the selected observation period.Keywords: efficiency, Stochastic Frontier Approach (SFA), sharia banks.

Determinants of Illegal Lending Engagement in Indonesian Rural Areas Ascaryan Rafinda; Hasan Al Jafa; Agus Suroso; Putri Purwaningtyas; Muhammad Farid Alfarisy; Kiky Srirejeki
Jurnal Ilmiah Akuntansi Vol 9 No 1 (2024)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jia.v9i1.62253

This research aims to identify the factors that influence individuals to engage in illegal lending in rural Indonesian areas. Specifically, the study examines the roles of financial knowledge and economic pressure in this decision-making process. Data were collected from 246 participants through both online and paper-based questionnaires. The hypotheses were tested using probit analysis. The findings reveal that financial literacy levels do not significantly affect illegal lending behavior, whereas economic pressure has a significant impact on the decision to engage in illegal lending. These results suggest that efforts to reduce illegal lending should focus on alleviating economic pressures faced by people in rural areas. By addressing the underlying economic conditions that drive individuals toward illegal lending, it is possible to mitigate this behavior and promote more sustainable financial practices. This research contributes to the understanding of illegal lending dynamics and offers valuable insights for policymakers and financial educators aiming to improve financial stability and reduce reliance on illegal lending in rural communities.

Efficiency Analysis of Islamic Banking in Indonesia 2015 - 2018 using Stochastic Frontier Method Fatimah Yoshio Hata; Suharno Suharno; Muhammad Farid Alfarisy
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 2 (2020): .
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v12i2.7016

The research objective is to analyze the efficiency of Islamic banking in Indonesia from 2015 to 2018. The quantitative approach was chosen to be used to determine and answer in this research stage. The choice of analysis in this study uses the Stochastic Frontier Approach (SFA) method. The criteria for determining variables based on estimated cost functions consist of input variables in the form of savings and labor, and output variables in the form of financing and securities, the independent variable is total costs. The sample consisted of 10 Islamic Commercial Banks (BUS) used in this study. The overall average efficiency value of Islamic banking is 85.7%, with an increase in value every year in the observation period. Savings and labor variables have a positive effect on total costs, financing variables and securities have a negative sign of total costs during the selected observation period.Keywords: efficiency, Stochastic Frontier Approach (SFA), sharia banks.

How government internal control system supporting regional development goals: Empirical evidence from internal control system in Indonesia Indrawan Firdauzi; Agus Arifin; Muhammad Farid Alfarisy; Pahrul Fauzi; Lilis Siti Badriah; Ajeng Faizah Nijma Ilma; Nani Kartika Ulina Nasution
Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Vol. 9 No. 1 (2024)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/jm.v9i1.17064

This study provides an empirical understanding of how integrated internal government controls in Indonesia can support regional development goals. Using Path analysis, we test the relationship between government internal control systems, budget efficiency, and regional development, with emphasis on health, education, and poverty. Surprisingly, the study revealed that instruments within the government's internal control systems, the corruption prevention effectiveness index, and the government's internal oversight positively impacted budget efficiency. However, we found that the risk management index negatively affected budget efficiency. In conclusion, this study establishes a link between internal government control, budget efficiency, and development goals. These findings underscore the importance of implementing high-quality internal oversight to support regionalized national development objectives.Keywords: SPIP, Government Internal Supervision, Indonesia, Budget Efficiency, Development Goals.

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