Garuda - Garba Rujukan Digital

Determinants of Risk in Indonesian Islamic Banking: An Empirical Investigation Haryanto, Sugeng; Safriliana, Retna; Ridloah, Siti; Ariefudin, Muhammad Umar; Khotimah, Lidia Khusnul
Share: Jurnal Ekonomi dan Keuangan Islam Vol 13, No 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20758

Islamic banking has witnessed significant growth globally, including in Indonesia, with expansions in both fund mobilization and financing activities. This study analyzes the determinants of risk in Indonesian Islamic banks from 2009 to 2022, focusing on the effects of financing-to-deposit ratio (FDR), financing growth, efficiency, company size, capital adequacy ratio (CAR), and third-party fund (DPK), on non-performing financing (NPF). Utilizing unbalanced panel data and multiple linear regression, the research finds that financing growth and efficiency have negligible effects on risk. In contrast, FDR, company size, CAR, and DPK significantly influence it. Higher FDR is linked to increased risk, while larger banks and higher CAR are associated with reduced risk. The results suggest that Islamic banks should balance financing and deposits to manage risk effectively and emphasize the importance of efficient operations and sustainable growth. This research is limited to the internal aspects of banks as determinants of FDR. Future research could examine external factors and alternative risk measures to deepen the understanding of risk in Islamic banking.==============================================================================================================ABSTRAK – Determinan Risiko Perbankan Syariah di Indonesia: Suatu Kajian Empiris. Perbankan syariah mengalami pertumbuhan yang signifikan secara global, termasuk di Indonesia, terutama dalam hal mobilisasi dana dan aktivitas pembiayaan. Studi ini menganalisis faktor-faktor penentu risiko pada perbankan syariah di Indonesia periode 2009 - 2022. Secara spesifik, kajian ini menguji pengaruh FDR, pertumbuhan pembiayaan, efisiensi, ukuran perusahaan, CAR dan DPK terhadap pembiayaan bermasalah. Dengan menggunakan data panel tidak seimbang (unbalance) dan regresi linier berganda, penelitian ini menemukan bahwa pertumbuhan pembiayaan dan efisiensi tidak memiliki pengaruh yang signifikan terhadap risiko. Sebaliknya, FDR, ukuran perusahaan, CAR, dan DPK memberikan pengaruh yang signifikan terhadapnya. FDR berkorelasi positif dengan peningkatan risiko, sementara ukuran perusahaan dan CAR berkorelasi negatif dengan pengurangan risiko. Kajian ini menyarankan agar bank-bank syariah menyeimbangkan antara pembiayaan dengan simpanan sehingga dapat mengelola risiko secara efektif dengan penekanan pada efisiensi operasional dan pertumbuhan berkelanjutan. Penelitian ini dibatasi pada aspek internal bank sebagai determinan FDR. Penelitian selanjutnya dapat mengkaji faktor-faktor eksternal dan ukuran risiko alternatif untuk memperdalam pemahaman tentang risiko dalam perbankan syariah.

PENGARUH LITERASI KEUANGAN, LOCUS OF CONTROL DAN GAYA HIDUP PADA SAVING BEHAVIOR CASHLESS SOCIETY Widia, Syam; Witiastuti, Rini Setyo; Ardiansari, Anindya; Ridloah, Siti; Prihandono, Dorojatun
Media Riset Bisnis & Manajemen Vol. 23 No. 2 (2023): Sptember
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25105/v23i2.20199

Penelitian ini bertujuan untuk menguji peranan literasi keuangan, locus of control dan gaya hidup pada perilaku menabung kaum milenial dan generasi Z. Data penelitian ini adalah data primer, dimana pengambilan data menggunakan kuesioner ditujukan kepada kaum milenial dan generasi Z di Kota Semarang. Analisis data menggunakan SEM PLS. Hasil penelitian menunjukkan bahwa literasi keuangan tidak berpengaruh pada kebiasaan menabung generasi cashless di Kota Semarang. Namun, Locus of control dan gaya hidup berpengaruh signifikan terhadap kebiasaan menabung cashless society di Kota Semarang. Berdasarkan hasil nilai R square menunjukkan pengaruh dari variabel literasi keuangan (X1), locus of control (X2) dan gaya hidup (X3)) terhadap saving behavior (Y) adalah sebesar 33,9%.

Corporate Social Responsibility, Bank Efficiency, Capital and Bank Risk: Empirical Evidence of Sharia Banks in Indonesia Haryanto, Sugeng; Aristanto, Eko; Umar Ariefudin, Muhammad; Ridloah, Siti; Bachtiar, Yanuar
Jurnal Dinamika Manajemen Vol. 16 No. 1 (2025): March
Publisher : Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v16i1.16275

Risk is part of the business. This study aims to determine the effect of CSR, efficiency, and capital on financing risk in Sharia banks in Indonesia. This research was conducted at Islamic banks in Indonesia. This research was conducted from 2015 to 2023. The data used in this study are secondary data sourced from annual reports published by theFinancial Services Authority (OJK) and the official websites of each Islamic bank. The data analysis method in this study is multiple linear regression analysis with panel data. Based on the research results, CSR positively affects financing risk. Efficiency can reduce financing risk. CAR has no impact on financing risk. The research variables used are still limited, so further research can be done by examining how Islamic banks manage financing.

The Effect of Capital Structure and Profitability on Company Value in the Food and Beverage Sector in Indonesia Yunita, Lia; Ridloah, Siti; Humaira, Hanina
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 3 No. 2 (2024): JETBIS : Journal Of Economics, Technology and Business
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v3i2.91

The value of the company has a direct impact on the maximum shareholder prosperity if the company's share price increases and this value also reflects the extent to which the company is recognized by the public. This study aims to examine the effect of capital structure and profitability on firm value. The population of this research is the manufacturing companies in the food and beverage sub-sector which are listed on the Indonesia Stock Exchange for the 2017-2021 period, while the sample is 33 companies using purposive sampling technique, so the number of observations was 165 data. The data analysis method used panel data regression analysis with an analytical tool in the form of Eviews 10. The results of this study indicate that capital structure (DER) has a negative and significant effect on firm value, then profitabily (ROE) has a positive and significant effect on firm value.

The Effect of Capital Structure and Profitability on Company Value in the Food and Beverage Sector in Indonesia Yunita, Lia; Ridloah, Siti; Humaira, Hanina
Jurnal Ekonomi Teknologi dan Bisnis (JETBIS) Vol. 3 No. 2 (2024): Jurnal Ekonomi, Teknologi dan Bisnis
Publisher : Al-Makki Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57185/jetbis.v3i2.91

The value of the company has a direct impact on the maximum shareholder prosperity if the company's share price increases and this value also reflects the extent to which the company is recognized by the public. This study aims to examine the effect of capital structure and profitability on firm value. The population of this research is the manufacturing companies in the food and beverage sub-sector which are listed on the Indonesia Stock Exchange for the 2017-2021 period, while the sample is 33 companies using purposive sampling technique, so the number of observations was 165 data. The data analysis method used panel data regression analysis with an analytical tool in the form of Eviews 10. The results of this study indicate that capital structure (DER) has a negative and significant effect on firm value, then profitabily (ROE) has a positive and significant effect on firm value.

A Qualitative Analysis into the Strategic Priorities of the Indonesian Bank Industry Ridloah, Siti
JDM (Jurnal Dinamika Manajemen) Vol 7, No 1 (2016): March 2016
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v7i1.5762

This research paper investigates present day strategic priorities employed by large (foreign exchange) banks in Indonesian banking industry. The research used idea networking of the mission statements of banks as the means to identifying a handful of priorities. The population comprised commercial banks in Indonesia. Foreign exchange banks in Indonesia were chosen as a sample of this study .The study was conducted in 2014. The research method utilized in this study is qualitative clustering through idea networking. In this method, the idea statements were extracted and linked to each other to produce diagrams resulting in clusters of statements that were generalized into priorities. The finding from this study is that Indonesian banks have six main priorities of service excellence, prudent corporate governance, innovative, customer segmentation focus, professionalism and social responsibility. This, undoubtedly, provides some insight into the potential threats to the Indonesian bank industry as well as an agenda for change.

Faktor Penentu Struktur Modal: Studi Empirik pada Perusahaan Multifinansial Ridloah, Siti
JDM (Jurnal Dinamika Manajemen) Vol 1, No 2 (2010): September 2010
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v1i2.2470

Penelitian ini bertujuan untuk mengetahui pengaruh variabel struktur aktiva, ukuran perusahaan, operating leverage, profitabilitas, likuiditas dan pertumbuhan penjualan terhadap Struktur Modal perusahaan sektor keuangan serta mengetahui variabel manakah yang paling berpengaruh terhadap stuktur modal. Populasi dalam penelitian ini adalah semua perusahaan sektor keuangan multifinansial yang terdaftar di BEI yang memiliki laporan keuangan dalam ICMD tahun 2008. Penentuan sampel penelitian ini menggunakan metode purposive sampling. Hasil analisis regresi menunjukkan bahwa ada pengaruh secara simultan variabel independen terhadap Struktur Modal. Hanya ada tiga variabel independen yang berpengaruh signifikan secara parsial terhadap variabel dependen yaitu ukuran perusahaan, profitabilitas dan likuiditas. Dari variabel-variabel tersebut, variabel yang paling berpengaruh terhadap stuktur modal adalah ukuran perusahaan. Saran yang penulis sampaikan dalam penelitian ini, bahwa untuk mencapai Struktur Modal yang optimal, perusahaan perlu meningkatkan profitabilitas, likuiditas dan ukuran perusahaan dengan cara meningkatkan profit margin dan meningkatkan asset yang dimiliki perusahaan.Â This study aims to determine the effect of asset structure variables, firm Size, operating leverage, profitability, liquidity and growth in sales of corporate capital structure of the financial sector as well as knowing which variables most affect the capital structure. The populations of this study were all multifinansial financial sector companies have been listed on the Stock Exchange which has ICMD financial statements in 2008. Purposive sampling method is used to analyse the samples of this study. The results of multiple regression analysis showed that there is a simultaneous effect of independent variables of corporate capital structure of the financial sector. There are only three independent variables that significantly influence the dependent variable that is partially on the variables of firm Size, profitability and liquidity. Of explanatory variables, the variable that most influence on capital structure is a variable Size. This study suggests that to achieve the optimal capital structure, companies need to improve profitability, liquidity and company Size by increasing profit margins and increasing company-owned assets.

Determinants of Risk in Indonesian Islamic Banking: An Empirical Investigation Haryanto, Sugeng; Safriliana, Retna; Ridloah, Siti; Ariefudin, Muhammad Umar; Khotimah, Lidia Khusnul
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20758

Islamic banking has witnessed significant growth globally, including in Indonesia, with expansions in both fund mobilization and financing activities. This study analyzes the determinants of risk in Indonesian Islamic banks from 2009 to 2022, focusing on the effects of financing-to-deposit ratio (FDR), financing growth, efficiency, company size, capital adequacy ratio (CAR), and third-party fund (DPK), on non-performing financing (NPF). Utilizing unbalanced panel data and multiple linear regression, the research finds that financing growth and efficiency have negligible effects on risk. In contrast, FDR, company size, CAR, and DPK significantly influence it. Higher FDR is linked to increased risk, while larger banks and higher CAR are associated with reduced risk. The results suggest that Islamic banks should balance financing and deposits to manage risk effectively and emphasize the importance of efficient operations and sustainable growth. This research is limited to the internal aspects of banks as determinants of FDR. Future research could examine external factors and alternative risk measures to deepen the understanding of risk in Islamic banking.==============================================================================================================ABSTRAK – Determinan Risiko Perbankan Syariah di Indonesia: Suatu Kajian Empiris. Perbankan syariah mengalami pertumbuhan yang signifikan secara global, termasuk di Indonesia, terutama dalam hal mobilisasi dana dan aktivitas pembiayaan. Studi ini menganalisis faktor-faktor penentu risiko pada perbankan syariah di Indonesia periode 2009 - 2022. Secara spesifik, kajian ini menguji pengaruh FDR, pertumbuhan pembiayaan, efisiensi, ukuran perusahaan, CAR dan DPK terhadap pembiayaan bermasalah. Dengan menggunakan data panel tidak seimbang (unbalance) dan regresi linier berganda, penelitian ini menemukan bahwa pertumbuhan pembiayaan dan efisiensi tidak memiliki pengaruh yang signifikan terhadap risiko. Sebaliknya, FDR, ukuran perusahaan, CAR, dan DPK memberikan pengaruh yang signifikan terhadapnya. FDR berkorelasi positif dengan peningkatan risiko, sementara ukuran perusahaan dan CAR berkorelasi negatif dengan pengurangan risiko. Kajian ini menyarankan agar bank-bank syariah menyeimbangkan antara pembiayaan dengan simpanan sehingga dapat mengelola risiko secara efektif dengan penekanan pada efisiensi operasional dan pertumbuhan berkelanjutan. Penelitian ini dibatasi pada aspek internal bank sebagai determinan FDR. Penelitian selanjutnya dapat mengkaji faktor-faktor eksternal dan ukuran risiko alternatif untuk memperdalam pemahaman tentang risiko dalam perbankan syariah.

Ketahanan Badan Usaha Milik Desa : Peningkatan Kapasitas dalam Analisis Bisnis dan Pelaporan Keuangan Mahmud, Amir; Susilowati, Nurdian; Ridloah, Siti; Santoso, Arif; Sari, Puji Novita
Jurnal AbdiMU (Pengabdian kepada Masyarakat) Vol. 5 No. 2 (2025): November
Publisher : Ma'soem University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32627/abdimu.v5i2.1587

Village-Owned Enterprises (BUMDes) play a strategic role in enhancing village economic independence, but they still face challenges in management and accounting governance. BUMDes Kaya Guna in Kalisidi Village, Semarang Regency, is one example facing issues with business management and financial record-keeping, which are still done manually. This community service program aims to strengthen the business and financial management capabilities of the BUMDes Kaya Guna board through the Participatory Rural Appraisal (PRA) approach. Activities were conducted in the form of counseling, training, and mentoring, focusing on Break-Even Point (BEP) analysis, Return on Investment (RoI), Payback Period (PP), basic accounting concepts, and the implementation of computerized accounting based on SAK ETAP. The results of the activities showed an improvement in participants' understanding of how to prepare business feasibility analyses and more systematic financial reports. Positive feedback from the management and the Village Head of Kalisidi underscored the program's benefits in strengthening healthy, transparent, and accountable business management. The evaluation also identified challenges such as technological limitations and initial lack of understanding, which were addressed through intensive mentoring. Overall, the program successfully enhanced the managerial and accounting capacities of the BUMDes Kaya Guna management team and supported the realization of sustainable BUMDes governance.

Inovasi Seni sebagai Sarana Pemberdayaan Ekonomi dan Sosial di Desa Jambeyan Ridloah, Siti; Arum, Astri; Dewi, Cici Everil Leviana; Nova, Siska Alfillia; Hanun, Fairuz Zahira
Jurnal Pemberdayaan Masyarakat Vol 10 No 2 (2025): November
Publisher : Direktorat Penelitian dan Pengabdian kepada Masyarakat (DPPM)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21067/jpm.v10i2.12775

Family Empowerment and Welfare (PKK) is a community organization created to help families with the aim of improving community welfare. PKK plays an important role in improving skills and opening new opportunities in the family economy and improving the quality of life. One of the PKK empowerments carried out by the community service team is to hold bead and ecoprint training which aims to improve skills, creativity, economic empowerment, and preserve the environment using natural materials. The beads and ecoprint training organized for PKK women in Jambeyan Village aims to increase skills, creativity, and community income. The method used in this training involves two stages, namely planning and implementing activities. The focus of the workshop activities was on socialization and training of beads and ecoprints to representatives of the Jambeyan Village PKK. An introduction to beads and ecoprints, activity mapping, and practical instructions for making beads and ecoprint tote bags are part of this training. The training was considered successful because the attendance and participation plans of participants had met the requirements.

Title

Found 20 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 20 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 20 Documents
Search