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All Journal ProBank: Jurnal Ekonomi dan Perbankan EKSPANSI International Journal of Applied Business Research Sarwahita : Jurnal Pengabdian Kepada Masyarakat Jurnal Difusi Indonesian Journal of Economics and Management Industrial Research Workshop and National Seminar Journal of Applied Islamic Economics and Finance Jurnal Maps (Manajemen Perbankan Syariah)
Radia Purbayati
Assistant Professor, Department Of Accounting, Politeknik Negeri Bandung, Indonesia
Humanities Chemical Engineering, Chemistry & Bioengineering Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences Other

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Journal : EKSPANSI

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EVALUASI PRAKTEK PERBANKAN SYARIAH DI INDONESIA : INTEREST RATE FREE? Radia - Purbayati
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 11 No 2 (2019): Jurnal Ekspansi November 2019
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v11i2.1575

Abstract

The aim of this study is to evaluate Islamic Banking practice truly interest rate free on determining funding and financing pricing. The object of this study are Islamic and Conventional Banking in Indonesia 2014-2018. Variables used in the study consists of equivalent rate (interest rate) of demand deposit, saving deposit, time deposit, working capital financing (loan) and financing (loan) in Islamic and Conventional Banking. VAR / VECM Modelling and Granger Causality Test applied on these 5 Models. The evidence shows that at that time there are only Model 2 and Model 5 were Granger Cause at one way in the short run. On the other hand, pricing on funding and financing product at islamic banking were determined by its time lag of pricing on funding and financing products at islamic and conventional banking , vice and versa. The shocks at the short run will be adjusted as its shocks response into long run equilibrium. It means the practicing Islamic banking in Indonesia is not truly interest rate free. Keywords : Pricing on funding and financing products, Islamic Banking, Conventional Banking, VAR/VECM Modelling, Granger Causality.
Pemodelan Multiple Discriminant Analysis untuk Memprediksi Financial Distress Bank Umum Syariah di Indonesia Radia - Purbayati
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 12 No 1 (2020): Jurnal Ekspansi Mei 2020
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v12i1.1856

Abstract

The aims of this study is to set financial distress prediction model and to identify the best accuraction and classification from the financial distress prediction model. The objects were 9 Islamic Banks in Indonesia since 2012 to 2017 using Multiple Discriminant Analysis modelling. The variables used financial ratios, consist of ROA, BOPO, Current Assets to Current Liabilities Ratio, NPF, Equity to Total Liabilities, and FDR. The outcome shows that a variable tend to cause an Islamic bank fall into financial distress condition dominantly was NPF ratio. The accuration prediction power with 42 from 42 obervations predicted fall into health bank category were classified correctly (100%), and 2 from 12 Islamic Banks fall into financial distress category were classified incorrectly (16.7%) and were corrected into helath bank category. The classification power created by multiple discriminant analysis was 81.48%.
Co-Authors Abdul Azid Andi Farhan Antis I’niswatin Barnas, Benny Dadang Hermawan Dadang Hermawan Darya Setia Nugraha Destian Arshad Destian Arshad Destri Alpiani Dhiwi Rasa Wulan Pamungkas Diharpi Herli Setyowati Dimas Sumitra Danisworo Dita Puspita Djoni Djatnika Endang Hatma Juniwati Ermi Nilam Sari Evi Fujilestari Febrin Ayu Salsabila Fitri Diani Ghina Fauziyyah Umami Hadiani, Fatmi Hasbi Assidiki Hasbi Assidiki Hasbi Assidiki Mauluddi Intan Nurrachmi Iwan Setiawan Kinanti Nur' Anisa Leni Nur Pratiwi Leni Nur Pratiwi Marsya Salsabila Gartiwa Mochamad Umar Mai Muhammad Muflih Nadhifah Salsabila Firdaus Nesya Bilqish Firmansyah Nisa Aulia Asriyana Pakpahan, Rosma R. Sapto Hendri Boedi Soesatyo Rachmi Amelia Raihani Fauziah Rasyid Hardayansyah Ratih Sulistia Rekha Dwi Anggraeni Resti Fadhilah Nurrohmah Rezky Apriyanthi Rr Dwi Waskita Ningsih Ruhadi Ruhadi Sabila Nur Al-fadzar Salma Cantya Paramastri Setiawan Setiawan Siti Aisah Sulthan Naufal Zaidane Syania Nur Azizah Syarief, Mochamad Edman Tjetjep Djuwarsa Tjetjep Djuwarsa Tripuspitorini, Fifi Afiyanti