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All Journal JURNAL ECONOMIA Falah : Jurnal Ekonomi Syariah Journal of Economics Research and Social Sciences Jurnal Indonesia Sosial Sains
Amelia Pratiwi
Department Of Sharia Economics, Faculty Of Islamic Studies, Universitas Muhammadiyah Yogyakarta, Special Region Of Yogyakarta
Humanities Astronomy Biochemistry, Genetics & Molecular Biology Chemistry Computer Science & IT Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Energy Environmental Science Immunology & microbiology Law, Crime, Criminology & Criminal Justice Library & Information Science Materials Science & Nanotechnology Neuroscience Physics Social Sciences

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The Assessment of Bankruptcy Potential of Sharia Rural Banks in Indonesia Amelia Pratiwi; Baiq Nurlita Dwi Puspita; Sony Wahyudi
Jurnal Economia Vol 15, No 1: April 2019
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (652.935 KB) | DOI: 10.21831/economia.v15i1.23932

Abstract

Abstract:This investigation is intended to assess the possibility of financial problems in Sharia Rural Banks (SBRs) in Indonesia. The financial ratio approach is chosen to measure the financial distress potential of SRBs which assesses the profitability, liquidity, efficiency and capital adequacy of 166 banks from 2013 to 2016. The model of panel estimation uses discriminant analysis is utilized in predicting financial distress in Indonesian SRBs. The outcomes of this research are, firstly, liquidity and efficiency are the most prominent variables in predicting financial difficulties in SRBs. The second is in further analysis of liquidity shows that most SRBs are very aggressive in disbursing credit to small and medium enterprises (SMEs), which are riskier than other economic sectors. In addition, a deeper analysis of bank efficiency indicates that the highest expense component of SRBs' other operating costs is employee and administration costs. Keywords: financial distress, financial ratios, Sharia rural banks, discriminant analysisPengujian Potensi Kebangkrutan Grup Bank Pembiayaan Rakyat Syariah di IndonesiaAbstrakStudi ini bertujuan untuk menilai kemungkinan terjadinya masalah keuangan pada Bank Perkreditan Rakyat Syariah (BPRS) di Indonesia. Pendekatan rasio keuangan dilakukan untuk mengukur kemungkinan terjadinya financial distress yang menilai dari sisi profitabilitas, likuiditas, efisiensi dan kecukupan modal dari 166 bank selama 2013 hingga 2016. Model estimasi panel menggunakan analisis diskriminan diterapkan dalam memprediksi financial distress pada BPRS Indonesia. Hasilnya adalah, pertama, likuiditas dan efisiensi adalah variabel yang paling signifikan dalam memprediksi kesulitan keuangan di BPRS. Kedua, dalam analisis likuiditas lebih lanjut menunjukkan bahwa sebagian besar BPRS cukup agresif dalam mendistribusikan pembiayaan kepada usaha kecil dan menengah (UKM), yang lebih berisiko di bandingkan sektor ekonomi lainnya. Selain itu, analisis yang lebih dalam tentang efisiensi bank menunjukkan bahwa komponen biaya tertinggi dari biaya operasional lain BPRS secara rata-rata adalah biaya pegawai atau karyawan dan administrasi. Kata kunci: financial distress, rasio keuangan, BPRS, analisis diskriminan
Analysis of Social Capital Effect in the Joint Liability Group on the Performance of Sharia Cooperatives in Indonesia Nurma Yulita; Amelia Pratiwi
Journal of Economics Research and Social Sciences Vol 6, No 1: February 2022
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v6i1.12986

Abstract

This investigation aims to analyze the impact of the joint liability model on the sharia cooperatives’ performance in Indonesia. The respondents are several group lending members of sharia cooperatives in Java, the center of sharia cooperatives in Indonesia. This study utilized the purposive sampling method to select samples conducted in April 2021. Data collection was carried out by distributing online and offline questionnaires to several sharia cooperatives utilizing the joint liability model. Data from 98 respondents were further analyzed by PLS-SEM analysis. The results unveiled that joint liability, which was influenced by indicators of trusts, norms, and networks, had a positive and significant effect on sharia cooperatives’ performance as measured by members’ satisfaction and loyalty. Thus, sharia cooperatives can take advantage of and maintain the joint liability model based on trusts, norms, and networks. The rationale is that the joint liability application has followed cooperative principles: the principle of kinship and cooperation. In addition, such a model has proven to increase the loyalty and satisfaction of sharia cooperative members.
The Comparative Analysis of Financial Distress Precipitating Factors in Islamic Banking in Indonesia and Malaysia Based on Bankometer Variables Amelia Pratiwi; Tri Verani; Asyarf Rayhan
Falah: Jurnal Ekonomi Syariah Vol. 8 No. 2 (2023): AUGUST
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v8i2.27973

Abstract

This study seeks to identify and compare descriptively the factors that influence the likelihood of financial distress in Indonesian and Malaysian Islamic banking. This study selected some variables and standard ratio values based on the Bankometer model such as Islamic banks’ capital adequacy, leverage level, credit risk, efficiency, and liquidity. The financial ratio data collected from published financial reports from five Indonesian Islamic banks and four Malaysian Islamic banks then analyzed using binary logistic regression. The results indicate that during the observation periods, the capital level (CA and CAR), leverage level (EA), and credit risk (NPF) of Islamic banking in Indonesia and Malaysia met the Bankometer standard. Meanwhile, the liquidity level (LA) of Islamic banks in both countries slightly exceeded the Bankometer's maximum standard, especially before the pandemic period. The findings in this study may enrich the discourse on the factors that trigger possible financial distress in Islamic banking by collaborating with the Bankometer model and binary logistic regression.
Implementation of Saudi Vision 2030 Towards Saudi Arabia’s Internationally Open Tourism Industry Amelia Pratiwi; Siti Muslikhati
Jurnal Indonesia Sosial Sains Vol. 5 No. 01 (2024): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v5i1.983

Abstract

The existence of globalization encourages access to worldwide economic development that does not solely rely on one sector, especially in the tourism sector. Saudi Vision 2030, in foreign policy theory, is perceived as Saudi Arabia’s strategy to diversify the country’s economy. The decline in global oil prices has resulted in the swelling of the state deficit. Under the leadership of Prince Muhammad bin Salman, the Saudi Arabian Government undertook efforts to diversify the revenue sector, aiming to reduce the country’s economic dependence on crude oil exports. Through Vision 2030, tourism is prioritized as a significant contributor to state revenue. The development of tourism components and the opening of new tourist destinations are forms of implementation initiated by the government based on the Saudi Vision. This research combines the theory of foreign policy and tourism concepts employed by the government of Saudi Arabia. The qualitative research method uses secondary data from literature studies, including journals, books, official websites, and articles. The results indicate that the realization of Saudi Vision 2030 in the tourism industry is through the development of tourism components in hotels, transportation, and restaurants and the opening of new tourist destinations, specifically in culture and adventure tourism
Implementation of Saudi Vision 2030 Towards Saudi Arabia’s Internationally Open Tourism Industry Amelia Pratiwi; Siti Muslikhati
Jurnal Indonesia Sosial Sains Vol. 5 No. 01 (2024): Jurnal Indonesia Sosial Sains
Publisher : CV. Publikasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59141/jiss.v5i1.983

Abstract

The existence of globalization encourages access to worldwide economic development that does not solely rely on one sector, especially in the tourism sector. Saudi Vision 2030, in foreign policy theory, is perceived as Saudi Arabia’s strategy to diversify the country’s economy. The decline in global oil prices has resulted in the swelling of the state deficit. Under the leadership of Prince Muhammad bin Salman, the Saudi Arabian Government undertook efforts to diversify the revenue sector, aiming to reduce the country’s economic dependence on crude oil exports. Through Vision 2030, tourism is prioritized as a significant contributor to state revenue. The development of tourism components and the opening of new tourist destinations are forms of implementation initiated by the government based on the Saudi Vision. This research combines the theory of foreign policy and tourism concepts employed by the government of Saudi Arabia. The qualitative research method uses secondary data from literature studies, including journals, books, official websites, and articles. The results indicate that the realization of Saudi Vision 2030 in the tourism industry is through the development of tourism components in hotels, transportation, and restaurants and the opening of new tourist destinations, specifically in culture and adventure tourism
Co-Authors Asyarf Rayhan Baiq Nurlita Dwi Puspita Nurma Yulita Siti Muslikhati Sony Wahyudi Tri Verani