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This Author published in this journals
All Journal DIJB (Diponegoro International Journal of Business) Journal of Islamic Economics, Management, and Business (JIEMB)
Luksi Visita
Universitas Islam Negeri Walisongo Semarang
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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The comparison of Islamic banks performance in Indonesia before and after the Action to Defend Islam event Luksi Visita
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 1 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.1.6792

Abstract

Purpose – This study aims to compare the performance of Islamic banking before and after the Islamic defense action. The action to defend Islam is a manifestation of populism, which resulted in mixed responses.Method – Financial performance consisting of return on assets (ROA), financing to deposit ratio (FDR), third party funds (DPK), non performing financing (NPF) and profit sharing financing on total financing were analyzed from 30 Islamic commercial banks and Sharia business units in Indonesia. The data were analyzed using different test paired sample T-test.Result – The results show that only TPF and FDR have significant differences. The DPK value increases, while the FDR decreases.Implication – This study can support industry to consider aspects needed to be taken care of during political events.Originality – This study enriches the empirical study of political and business interaction.
Prediction of financial condition of Indonesian banks using Altman Z-Score model St Ibrah Mustafa Kamal; Luksi Visita
Journal of Islamic Economics, Management, and Business (JIEMB) Vol 2, No 1 (2020)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2020.2.1.7606

Abstract

Purpose – Banking is one of the hearts of the economy in Indonesia. This study aims to determine the financial condition of banking in Indonesia.Method – The data in this study uses financial reports of bank. The technique of data analysis uses the Altman Z-Score model. By using five variables that represent the liquidity ratio X1, X2 and X3 profitability, X4 and X5 activities. With the criteria of assessment Z-Score 2.99, it is categorized as a very healthy company. 1.81 Z-Score 2.99 is in the gray area so that the probability of being saved and the possibility of bankruptcy is the same depending on the policy decision of the company management as the decision maker. Z-Score 1.81 is categorized as a company which has an enormous financial problem at high risk, so that the possibility of bankruptcy is very largeResult – As the result, it can be seen that Indonesian banks from 2008-2010 were at risk of going through financial difficulties and then survived and in the following years became more stable, while some banks were in unstable but survived and fixed their financial issues.Implication – This research can help Indonesian banks to evaluate their financial performanceOriginality – The originality of this research lies in the object under study, test analysis, and research location.
The effect of inflation, profit-loss sharing loan, and capital adequacy towards performance of Indonesian Islamic banks Luksi Visita
Diponegoro International Journal of Business Vol 2, No 2 (2019)
Publisher : Department of Management | Faculty of Economics and Business | Universitas Diponegoro

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (517.582 KB) | DOI: 10.14710/dijb.2.2.2019.57-63

Abstract

The purpose of this study is to observe the impact of inflation, profit-loss sharing loan, and capital adequacy towards performance of Islamic banks in Indonesia. This study utilizes longitudinal study from 2010 to 2018 towards Islamic Commercial Banks and Sharia Business Units that are listed in Indonesia. Using pool-time series data, the variables studied are inflation, capital adequacy ratio (CAR), profit-loss sharing loan, and return on assets (ROA). The result shows that only inflation has no significant effect on performance. Capital adequacy affects positively significant, while profit-loss sharing loan affects negatively significant. This study add new perspective on how macroeconomic variable influence Islamic banks’ performance in Indonesia. Additionally, this study is also distinctive because of lengthier observation period (eight years) compared to other studies in recent five years
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