Ismail Pulungan
Pusat Perencanaan dan Pengembangan Sumberdaya Manusia, Badan Penyuluhan dan Pengembangan SDM Kementerian Kehutanan

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Macroeconomic Impact on the Risk Profile of Islamic Commercial Banks in Indonesia Malik, Fery Maulana; Asayesh, Hamid; Abu Gunawan, Lalu; Pulungan, Ismail
Journal of Islamic Economics Perspectives Vol. 7 No. 1 (2025): February (2025) Journal of Islamic Economics Perspectives
Publisher : Faculty of Islamic Economics and Business, State Islamic University of  Kiai Haji Achmad Siddiq Jember, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35719/c53t5h58

Abstract

As a member of the G20, Indonesia has demonstrated economic stability with an average growth of 5.05% by 2024. Islamic commercial banks play an important role in supporting the national economy through Sharia-based financing, which is more stable than traditional banks. However, macroeconomic fluctuations such as inflation, GDP, BI rate, and exchange rates can impact Non-Performing Financing (NPF) as an indicator of credit risk. High NPF can affect the profitability and operational sustainability of Islamic commercial banks. Therefore, a deep understanding is required to maintain the stability of this sector. The aim of this study is to analyze the impact of macroeconomic factors on the NPF of Islamic commercial banks in Indonesia. With a quantitative approach using secondary data from quarterly reports for the period 2021-2023 and analyzed using multiple linear regression with panel data on nine Islamic commercial banks that meet the criteria, namely Bank Aladin Syariah, Bank Victoria Syariah, Bank Jabar Banten Syariah, Bank Panin Dubai Syariah, Bank Mega Syariah, Bank BCA Syariah, Bank BTPN Syariah, Bank Syariah Indonesia, and Bank Muamalah Indonesia. The findings indicated that inflation exerts a substantial impact on Non-Performing Financing (NPF). Conversely, Gross Domestic Product (GDP), Bank Indonesia (BI) rate, and exchange rate do not exhibit any influence on NPF. Nevertheless, concurrently, inflation, GDP, BI rate, and exchange rate collectively demonstrate a significant effect on NPF. This suggests that these variables interact with one another and play a role in altering the quality of financing extended by Islamic commercial banks.
COMMUNITY PERCEPTION OF HALAL TOURISM AND ITS CULTURAL IMPLICATIONS IN LAKE TOBA Alfadri, Ferri; Lestari, Sry; Pulungan, Ismail
Jurnal EL-RIYASAH Vol 16, No 1 (2025): Juni 2025
Publisher : Sultan Syarif Kasim State Islamic University, Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24014/jel.v16i1.37370

Abstract

The halal tourism program has the potential to positively impact tourist visits, both domestic and international. However, the community surrounding the Lake Toba tourist area has rejected the government's proposed halal tourism initiative. This study aims to explore the perceptions of the Lake Toba community regarding halal tourism, which have led to their resistance to its implementation. Employing a qualitative explanatory approach, the research utilizes Participatory Action Research (PAR) methods combined with a snowball sampling technique. This technique enables continuous data collection through referrals from initial informants to other relevant stakeholders. Data were obtained through observation and in-depth interviews with local residents, tourism practitioners, traditional leaders, government officials, and representatives from the Indonesian Ulema Council (MUI). This approach facilitates a deeper understanding of problem-solving strategies, community needs, and the dynamics of knowledge production and socio-religious change. The findings reveal a perceptual gap between the local community and the government's discourse on halal tourism. Many residents believe that halal tourism may undermine or even eliminate long-standing cultural traditions in the Lake Toba area.
Cybersecurity Behavior as a Reflection of Ḥifẓ al-Māl in Islamic Banking: A Behavioral Model Based on Protection Motivation Theory Hutagalung, Muhammad Wandisyah R; Siregar, Saparuddin; Furqan, Mhd.; Pulungan, Ismail; Elce, Furkan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 15 No. 2 (2025): October (on going)
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.2025.15.2.127-153

Abstract

This study examines psychological determinants of cybersecurity protection behavior among Islamic banking customers by applying Protection Motivation Theory (PMT) within a maqāṣid al-sharīʿah framework. Using a quantitative survey (N = 384) and PLS-SEM, it tests the effects of perceived vulnerability, severity, self-efficacy, response efficacy, response cost, and social influence, as well as the moderating role of cybersecurity education. Results show that vulnerability, severity, response efficacy, and social influence significantly predict protection behavior, while self-efficacy and response cost do not. Cybersecurity education has no significant moderating effect. The model explains 69.6% of the variance, indicating strong explanatory power. The study contributes by linking PMT to Islamic economic principles, particularly ḥifẓ al-māl and amānah. It suggests that Islamic banks need community-based, values-driven cybersecurity education to foster sustainable protective behavior.
Analysis Bibliometrics Application of Technology Acceptance Model in Islamic Fintech Pulungan, Ismail; Ritonga, Juliani; Binti Abu Hasan, Nurul Widad
Journal of Islamic Financial Technology Vol 3, No 2 (2024)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i2.13960

Abstract

ABSTRACT          The rapid advancement of technology has led to the emergence of Islamic fintech as an innovation in digital financial services with the potential to enhance financial inclusion. However, public understanding of its use remains limited, resulting in cases of misuse and losses for users and companies alike. This study aims to analyze the factors influencing the acceptance of Islamic fintech using bibliometric methods. Employing a qualitative descriptive approach, data was collected through the Publish or Perish software and analyzed using VOSviewer to map the development of research on the Technology Acceptance Model (TAM) in Islamic fintech. The findings reveal significant growth in Islamic fintech journal publications in 2020, with "fintech" being the most frequently used keyword. Furthermore, the author analysis identifies Rabbani as the primary contributor. Research on the application of TAM in Islamic fintech remains scarce, but this model has proven effective in predicting technology acceptance. By understanding the factors influencing technology acceptance, companies can develop better strategies to expand their user base and enhance consumer trust in their services. Keywords: TAM, Islamic Fintech, Bibliometric, VOSviewer
THE INFLUENCE OF FINANCIAL LITERACY, FINANCIAL INCLUSION AND FINANCIAL TECHNOLOGY ON THE FINANCIAL PERFORMANCE OF UMKM IN PADANGSIDIMPUAN CITY Pulungan, Ismail
Journal of Islamic Financial Technology Vol 3, No 1 (2024): JIFTECH : Journal Of Islamic Financial Technology
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v3i1.14445

Abstract

Financial performance problems in Micro, Small and Medium Enterprises (MSMEs) are generally related to the lack of management capabilities in managing working capital, which causes difficulties in measuring financial performance. Several factors that affect the financial performance of MSMEs include the quality of financial reports, financial literacy, financial inclusion and financial technology . The discussion of this study is related to the field of MSME financial performance science in relation to the theory that financial literacy affects the financial performance of MSMEs, financial inclusion affects the financial performance of MSMEs as well as Financial technology affects the financial performance of MSMEs. This research is a quantitative study. The data collection instrument uses a questionnaire with a sample size of 100 MSMEs. The analysis tools used are validity tests, reliability tests, classical assumption test analysis, multiple linear regression and hypothesis tests. The results of the study show that financial literacy (X1) affects the financial performance of MSMEs (Y). The financial inclusion variable (X2) does not affect the financial performance of MSMEs (Y). The financial technology variable (X3) affects the financial performance of MSMEs (Y). Meanwhile, simultaneously, the variables of financial literacy (X1), financial inclusion (X2) and financial technology (X3) have an effect on the financial performance of MSMEs (Y).
The Impact of GDP, Investment, and Inflation on Poverty in ASEAN-8 Countries: A Panel Data Analysis (2010–2023) Gunawan, Lalu Abu; pulungan, ismail; Malik, Feri Maulana
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17915

Abstract

This study examines the impact of Gross Domestic Product (GDP), investment, and inflation on poverty levels in eight ASEAN countries—Indonesia, Malaysia, the Philippines, Singapore, Thailand, Vietnam, Laos, and Cambodia—from 2010 to 2023. Despite rapid economic expansion in the region, poverty remains a persistent issue. Using panel data regression (Panel Least Squares) with 105 observations, the analysis assesses how these macroeconomic factors contribute to poverty reduction. The results show that the overall regression model is significant (Prob F-statistic = 0.000000), with an R-squared value of 0.3708, indicating that 37% of poverty variation is explained by GDP, investment, and inflation. Investment has the strongest and most significant negative effect on poverty (coefficient = –0.950933; p < 0.01), suggesting that higher investment effectively reduces poverty through job creation and productivity gains. GDP has a negative but insignificant effect (p = 0.0976), implying that economic growth alone does not automatically lower poverty without equitable distribution. Inflation shows a positive effect (coefficient = 0.747921; p = 0.0652), indicating that rising prices tend to worsen poverty by eroding purchasing power. These findings highlight the importance of promoting investment and maintaining price stability in ASEAN poverty-reduction strategies.
Cryptocurrency in the Modern Economic System: Analysis of Functions, Regulations, and Islamic Legal Perspectives Matondang, Zainal Abidin; pulungan, ismail
Journal of Islamic Financial Technology Vol 4, No 2 (2025)
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jiftech.v4i2.17946

Abstract

The rapid advancement of digital technology in the era of the Fourth Industrial Revolution has significantly transformed global financial systems, including the emergence of cryptocurrency as a digital currency and asset powered by blockchain technology. Cryptocurrency introduces a decentralized, transparent, and efficient transaction system without reliance on a central authority. However, its existence raises substantial debate regarding its functions, legality, and compliance with Islamic economic principles. This study aims to analyze the concept of cryptocurrency, its functions and characteristics, regulatory frameworks in Indonesia, and Islamic legal perspectives on its use as both a medium of exchange and a digital commodity. This research employs a library research method with a descriptive-analytical approach, utilizing data sourced from books, academic journals, government regulations, and fatwas issued by the Indonesian Council of Ulama (MUI). The findings indicate that cryptocurrency can function as a medium of exchange and an investment asset, but its high price volatility positions it more as a speculative instrument. In Indonesia, cryptocurrency is not recognized as a legal means of payment but is permitted as a tradable commodity under the supervision of Bappebti. From an Islamic economic perspective, cryptocurrency is considered prohibited (haram) as a currency due to elements of gharar and dharar, but it may be traded as a commodity if it fulfills the principles of clear value, clear benefit, and legitimate ownership. This study concludes that the use of cryptocurrency requires strong regulatory control and careful consideration to align with economic stability and Sharia compliance.