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All Journal Signifikan : Jurnal Ilmu Ekonomi ETIKONOMI Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) EQUILIBRIUM IQTISHADIA Tauhidinomics Jurnal Ekonomi Syariah Teori dan Terapan Al-Maslahah Journal of Islamic Monetary Economics and Finance Dialog Jurnal Bimas Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Al-Muamalat : Jurnal Ekonomi Syariah Jihbiz: Jurnal Ekonomi, Keuangan dan Perbankan Syariah Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Journal of Islamic Economics Lariba
Ali Rama
UIN Syarif Hidayatullah Jakarta
Religion Humanities Economics, Econometrics & Finance Social Sciences

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ANALISIS DETERMINAN PENGUNGKAPAN ISLAMIC SOCIAL REPORTING: STUDI KASUS BANK UMUM SYARIAH DI INDONESIA Rama, Ali; Meliawati, Meliawati
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
Publisher : EQUILIBRIUM

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sejumlah variabel yaitu ukuran bank, umur bank, profitablitas dan leverage terhadap pengungkapan Islamic Social reporting (ISR) pada Bank Umum Syariah di Indonesia dari periode 2010 sampai 2012. Pengungkapan ISR dilakukan dengan cara analisis konten melalui metode skoring. Penelitian ini menemukan bahwa hanya variabel ukuran bank yang berpengaruh signifikan positif terhadap pengungkapan ISR pada Bank Umum Syariah di Indonesia. Semakin besar aset yang dimiliki oleh bank syariah maka semakin tinggi penguungkapan ISR-nya. Penelitian ini juga menemukan bahwa bank syariah mengalami peningkatan rata-rata indeks pengungkapan ISR selama periode penelitian. Akan tetapi, pengungkapan ISR bank syariah baru memenuhi sekitar 50 persen dari keseluruhan item pengungkapan yang harus di-disclosure berdasarkan pada model yang dikembangkan pada penelitian ini.Keywords: Islamic social reporting, profitabilitas, ukuran bank, corporate social responsibility, leverage, umur bank.The purpose of this study is to analyze the impact of selected variables such as the size of the bank, bank age, profitability and leverage on the disclosure of Islamic Social Reporting (ISR) in the Islamic banks of Indonesia from the period 2010 to 2012. The disclosure of ISR is obtained by content analysis through scoring method. The study finds that the size of the bank is the only variable which has a significant positive impact on the disclosure of ISR Islamic banks in Indonesia. An an increase of the number of the Islamic bank’ asset increases the disclosure of ISR Islamic banks. This study also finds that the Islamic banks have increased their disclosure of ISR during the study period. However, the disclosure percentage of ISR Islamic banks is only about 50 percent of all items that should be disclosure based on the model developed in this study.Keywords: Islamic social reporting, profitabilitas, ukuran bank, corporate social responsibility, leverage, umur bank.
ANALISIS DETERMINAN PENGUNGKAPAN ISLAMIC SOCIAL REPORTING: STUDI KASUS BANK UMUM SYARIAH DI INDONESIA Rama, Ali; Meliawati, Meliawati
EQUILIBRIUM Vol 2, No 1 (2014): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v2i1.714

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh sejumlah variabel yaitu ukuran bank, umur bank, profitablitas dan leverage terhadap pengungkapan Islamic Social reporting (ISR) pada Bank Umum Syariah di Indonesia dari periode 2010 sampai 2012. Pengungkapan ISR dilakukan dengan cara analisis konten melalui metode skoring. Penelitian ini menemukan bahwa hanya variabel ukuran bank yang berpengaruh signifikan positif terhadap pengungkapan ISR pada Bank Umum Syariah di Indonesia. Semakin besar aset yang dimiliki oleh bank syariah maka semakin tinggi penguungkapan ISR-nya. Penelitian ini juga menemukan bahwa bank syariah mengalami peningkatan rata-rata indeks pengungkapan ISR selama periode penelitian. Akan tetapi, pengungkapan ISR bank syariah baru memenuhi sekitar 50 persen dari keseluruhan item pengungkapan yang harus di-disclosure berdasarkan pada model yang dikembangkan pada penelitian ini.Keywords: Islamic social reporting, profitabilitas, ukuran bank, corporate social responsibility, leverage, umur bank.The purpose of this study is to analyze the impact of selected variables such as the size of the bank, bank age, profitability and leverage on the disclosure of Islamic Social Reporting (ISR) in the Islamic banks of Indonesia from the period 2010 to 2012. The disclosure of ISR is obtained by content analysis through scoring method. The study finds that the size of the bank is the only variable which has a significant positive impact on the disclosure of ISR Islamic banks in Indonesia. An an increase of the number of the Islamic bank’ asset increases the disclosure of ISR Islamic banks. This study also finds that the Islamic banks have increased their disclosure of ISR during the study period. However, the disclosure percentage of ISR Islamic banks is only about 50 percent of all items that should be disclosure based on the model developed in this study.Keywords: Islamic social reporting, profitabilitas, ukuran bank, corporate social responsibility, leverage, umur bank.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Terminanto, Ade Ananto; Rama, Ali
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
KONSTRUKSI INDEKS KEISLAMAN EKONOMI DAN KAJIAN EMPIRISNYA DI INDONESIA rama, ali
Jurnal Bimas Islam Vol 9 No 3 (2016): Jurnal Bimas Islam
Publisher : Direktorat Jenderal Bimbingan Masyarakat Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (743.671 KB)

Abstract

Abstraksi Terdapat sejumlah studi yang membuktikan bahwa agama dan kinerja ekonomi memiliki hubungan yang kuat. Studi ini mengukur tingkat ?keIslaman ekonomi? provinsi-provinsi di Indonesia menggunakan model ?indeks keIslaman ekonomi?. Konsep indeks ini  merupakan indeks komposit dari tujuan utama yang ingin dicapai oleh sistem ekonomi Islam. Tujuan utama tersebut selanjutnya diturunkan menjadi prinsip-prinsip ekonomi Islam yang nantinya akan diproksikan oleh sejumlah indikator ekonomi yang relevan dan terukur. Model ini menghasilkan peringkat rangking ?keIslaman? ekonomi provinsi-provinsi di Indonesia dalam bentuk indeks. Penelitian ini menemukan bahwa provinsi Sumatera Selatan menempati posisi tertinggi dalam perolehan skor indeks. Sebaliknya, provinsi Papua menjadi provinsi yang memiliki skor indeks terendah dibandingkan dengan provinsi lainnya. Selanjutnya, hanya terdapat 11 provinsi dari total provinsi di Indonesia yang memiliki skor indeks di atas 50 poin. Hal ini berarti rata-rata wilayah/provinsi di Indonesia memiliki kinerja indeks pada pencapaian tujuan sistem ekonomi Islam relatif rendah.   Abstract Some earlier studies show that religion and economic activities have strong relationship. The study measured the level of 'the Islamic economy' provinces in Indonesia using the model 'index of the Islamic economy". The index concept is actually a composite index derived from main purposes of Islamic economy system. The main concepts are divided into several Islamic economic principles then proxied by several relevant and measurable economic indicators. The model provides ranking of Islamic economy performance for all provinces in Indonesia.This study found that the South Sumatra province occupies the highest position in the acquisition of the index score. Instead, the province of Papua into the provinces which have the lowest index score compared to other provinces. Furthermore, there are only a total of 11 provinces of the provinces in Indonesia which has an index score above 50 points. This means an average of regions / provinces in Indonesia have a performance index on the achievement of the objectives of Islamic economy system is relatively low.
ANALISIS SISTEM TATA KELOLA SYARI’AH BAGI PERBANKAN SYARI’AH DI INDONESIA DAN MALAYSIA Rama, Ali
Jurnal Bimas Islam Vol 8 No 1 (2015): Jurnal Bimas Islam
Publisher : Direktorat Jenderal Bimbingan Masyarakat Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (505.612 KB)

Abstract

Abstract Shariah governance is a term that would represent a model of corporate governance designed to ensure the compliance of shariah principles. The study analyzes the regulatory framework of shariah governance system for Islamic financial institution between Indonesia and Malaysia, based on the legal framework in each jurisdiction. Comparative analysis is conducted on the four major aspects of shariah governance, namely regulatory framework, organizational structure, process and function of shariah council. The study finds that there are many similarities as well as difference of shariah governance practices in both countries. The similarity, for example, is that both countries have a centralized fatwa council at national level and shariah board at firm level to supervise the implementation of fatwa at industry. According to the process of shariah governance particularly on the restriction of any appointment as shariah board in other financial institutions and qualification for the shariah board, Malaysia adopts strict approach, while Indonesia adopts moderate approach. Abstraksi Tata kelola syari?ah atau shariah governance merupakan istilah yang dapat merepresentasikan akan suatu model tata kelola yang didesain secara kelembagaan untuk memastikan kepatuhan terhadap aspek syari?ah. Penelitian ini bermaksud untuk menganalisa model tata kelola syari?ah bagi lembaga keuangan syari?ah yang ada di Indonesia dan Malaysia, berdasarkan kerangka hukum di masing-masing yurisdiksi tersebut. Analisis komparatif dilakukan pada empat aspek utama dari sistem tata kelola syari?ah, yaitu regulasi, struktur organisasi, proses dan fungsi dewan syari?ah. Penelitian ini menemukan berbagai kesamaan dan perbedaan tentang model tata kelola syari?ah di kedua negara tersebut. Persamaanya misalnya adalah kedua negara tersebut menerapkan sistem sentralisasi fatwa melalui lembaga fatwa di tingkat nasional yang pengawasan penerapannya di industri dilakukan oleh dewan syari?ah pada internal perusahaan. Sementara pada aspek proses khususnya masalah rangkap jabatan dan kompotensi bagi anggota dewan syari?ah, di Malaysia menggunakan pendekatan ketat. Sementara di Indonesia cenderung moderat.
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Terminanto, Ade Ananto; Rama, Ali
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
SHARIAH GOVERNANCE DAN KUALITAS TATA KELOLA PERBANKAN SYARIAH Ali Rama; Yella Novela
Signifikan: Jurnal Ilmu Ekonomi Vol 4, No. 2, Oktober 2015
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (207.206 KB) | DOI: 10.15408/sjie.v4i2.2301

Abstract

Corporate governance for Islamic banking has a unique feature compared with banking conventional. It is required to complement the existing governance framework with shariah governance system to ensure the shariah compliance of all Islamic banking’s operational. Therefore, this study aims to analyze the effect of the practice of shariah governance to the quality of GCG implemented by Islamic banks. Practices of shariah governance are measured by number of shariah board members, doctoral qualification of shariah board and frequency of shariah board meeting. The study finds that shariah governance has a significant impact to the increase quality of GCG in Islamic banks. Another interesting finding is that the increase of credit risk (NPF) leads to the worse of Islamic banks’ corporate governance. ROA and CAR have no significant effect to the quality of corporate governance in Islamic banks. The study recommends that the Islamic banks should improve their shariah governance practices in order to increase their governance performance as well as public confidenceDOI: 10.15408/sjie.v4i2.2301
PERBANKAN SYARIAH DAN PERTUMBUHAN EKONOMI INDONESIA Ali Rama
Signifikan: Jurnal Ilmu Ekonomi Vol. 2, No. 1, April 2013
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (372.76 KB) | DOI: 10.15408/sjie.v2i1.2372

Abstract

The paper empirically examines the dynamic interaction between Islamic banking development, capital market, trade activities, inflation and economic growth in Indonesia using battery of time series techniques. The study documents a long-run equilibrium between Islamic banking, capital market, trade activities, inflation and economic growth. Granger causality test reveals that there is a bidirectional causality between Islamic banking-growth in Indonesia, the finding accords with “the feedback hypothesis” or bidirectional causality view”. Based on the VDCs, the study discovers that the variations in the economic growth rely very much on its own innovation. The finding also shows that Islamic banking financing innovation significantly explains the variation in economic growth. To further promote contributions of Islamic banking to economic growth, the authority should provide friendly policies to accelerate its development in the countryDOI: 10.15408/sjie.v2i1.2372
Currency System and Its Impact on Economic Stability Desmadi Saharuddin; Ali Rama
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 9, No 2: July 2017
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.373 KB) | DOI: 10.15408/aiq.v9i2.4749

Abstract

A number of economic problems that occurred during the power of Mamluk (1250-1517 AD) was considered as a result of the change to currency system, namely from the system of commodity-based money (gold and silver) into paper-based money (fiat). Instability prices, decrease of trading activities, high of unemployment number were a number of economic indicators that occurred at that time. This issue of macro-economy was considered as a result of changes in the money system. This study analyzes the dynamic relationship between the price of gold as a representation of commodity money system and M2 as a representation of fiat money against the stability of economic indicators such as inflation, economic growth, stock prices, and unemployment and interest rates. This study found that both systems not vary significantly against each other in its influence on macroeconomic variables. It means that the two systems do not have contrast distinction. Indeed, it was found that the commodity-based money system is not free of inflation, as propagated by the supporters of the dinar and dirham (dinarist). DOI: 10.15408/aiq.v9i2.4749
PENGARUH BELANJA PEMERINTAH DAN PEMBIAYAAN BANK SYARIAH TERHADAP PERTUMBUHAN EKONOMI: STUDI KASUS DATA PANEL PROVINSI DI INDONESIA Ade Ananto Terminanto; Ali Rama
IQTISHADIA Vol 10, No 1 (2017): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v10i1.2320

Abstract

Indonesia’s economy grows persistently with positive growth when developed countries are otherwise. In the meantime, government expenditure increases gradually in order to boost economic growth of the country. In literatures, the impact of government fiscal policy to the outputs or national income varies, as well as the impact of banking sector including Islamic banking sector. Therefore, this study aims to empirically analyze the impact of government expenditure and Islamic banking financing for economic growth by utilizing panel data of 33 provinces in Indonesia during 2010-2015. Besides that, the number of investment and employment were included as explanatory factors for regional economic growth in the study. Methodologically, common, fixed and random effects were employed to estimate coefficient of the independent variables. The study finds that government expenditure, Islamic banking financing, investment and number of employments have significant-positive influence to regional economic growth in Indonesia. Therefore, government’s fiscal policy as well as Islamic banking financing contributed to the economic growth.Indonesia mengalami pertumbuhan ekonomi yang konsisten secara positif di saat negara-negara maju mengalami pertumbuhan ekonomi yang minus. Di sisi lain, pengeluaran pemerintah cenderung meningkat dari waktu ke waktu dengan maksud untuk mempengaruhi pertumbuhan ekonomi. Namun demikian, berdasarkan studi empiris kebijakan fiskal yang dimaksudkan untuk mempengaruhi pendapatan nasional menunjukkan kesimpulan yang beranekaragam. Begitupula dengan pengaruh sektor perbankan termasuk di dalamnya sistem perbankan syariah terhadap pertumbuhan ekonomi. Oleh karena itu, penelitian ini bermaksud untuk menganalisis pengaruh belanja pemerintah dan pembiayaan bank syariah terhadap pertumbuhan ekonomi dengan menggunakan data panel 33 provinsi di Indonesia untuk periode 2010-2015. Selain itu, tingkat investasi dan tenaga kerja dimasukkan sebagai faktor explanatori untuk pertumbuhan ekonomi regional. Metode common effect, fixed effect, dan random effect digunakan untuk mengestimasi nilai pengaruh variabel-variabel independen. Penelitian ini menemukan bahwa belanja pemerintah, pembiayaan banks syariah, investasi dan jumlah tenaga kerja berpengaruh positif signifikan terhadap pertumbuhan ekonomi regional di Indonesia. Dengan demikian, kebijakan fiskal pemerintah dan kegiatan intermediasi perbankan syariah berkontribusi dalam pertumbuhan ekonomi.
Co-Authors Ahmad Rizqi Makinudin Ahmad Rodoni Amalia, Indah Puji Awallyah, Mumtazzyah Awallyah, Mumtazzyah Awallyah Desmadi Saharuddin Desmadi Saharuddin, Desmadi Herni Ali HT Khairunnisa, Dini Anggreini Makhlani Makhlani Makhlani Makhlani Makinudin, Ahmad Rizqi Meliawati Meliawati, Meliawati Mustabsyirah Musri Mynbayeva, Elmira Putri, Poppy Secilia Rindo Khossario Terminanto, Ade Ananto Terminanto, Ade Ananto WIRANATA, SUHENDA WIRANATA, SUHENDA Yella Novela Zuhairan Yunmi Yunan