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Faktor-Faktor yang Memengaruhi Non Performing Financing pada Bank Umum Syariah Indonesia Periode 2010-2014 Yulya Aryani; Lukytawati Anggraeni; Ranti Wiliasih
AL-MUZARA'AH Vol. 4 No. 1 (2016): AL-MUZARA'AH (June 2016)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (795.073 KB) | DOI: 10.29244/jam.4.1.44-60

Abstract

The objective of this study is to determine the internal and external factors affected non-performing financing in Islamic Banks Indonesia, 2010-2014. The samples used were 11 Islamic Banks in Indonesia 2010-2014. This study used panel data with annual data obtained from the bank's 2010 to 2014 annual reports of banks. The results showed that the Capital Adequacy Ratio (CAR), Bank size, overhead cost and SBIS rate have a significant negative effect on Non Performing Financing, while the FDR, NIM, KAP and BI rate have a significant positive effect on Non-Performing Financing. Commercial Bank needs to monitor the level of Capital Adequacy Ratio (CAR), Bank size and improve the quality of operational management on overhead cost. In addition, Islamic Banks should be more sensitive to macroeconomic conditions, especially the level of BI rate and yield rate of SBIS so it can determine precisely the financing policy in order to control the level of NPF at a reasonable level.
Akses UMKM Terhadap Pembiayaan Mikro Syariah dan Dampaknya Terhadap Perkembangan Usaha : Kasus BMT Tadbiirul Ummah, Kabupaten Bogor Lukytawati Anggraeni; Herdiana Puspitasari; Salahuddin El Ayyubi; Ranti Wiliasih
AL-MUZARA'AH Vol. 1 No. 1 (2013): AL-MUZARA'AH (June 2013)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (314.906 KB) | DOI: 10.29244/jam.1.1.56-67

Abstract

Micro, Small and Medium Enterprises (MSMEs) have a big contribution for Indonesia's gross domestic product and employment. Most MSMEs face capital constraints and limited access to formal financial institutions. Baitul Maal Wat Tamwil (BMT), which is one of the Islamic microfinance institutions, can be a solution to capital constraints faced by MSMEs. The study aims to analyze the MSME access to get the financing and the impact of BMT to their business development. The primary data is obtained from interviewing 45 respondents, i.e 30 respondents who receive funding from the BMT and 15 controlled respondents who do not receive funding in Bogor. MSME access to the BMT Islamic financing is analyzed by logistic regression logit model while the method used is multiple linear regression of Ordinary Least Square (OLS) in order to analyze the impact of BMT on the development of business. Logit regression results indicate that dummy business type, age, business turnover and deposits dummy, are the factors influencing MSME access to BMT financing. BMT financing has increased the MSME profit by 6.21 percent with an average of Rp 79.12 million to Rp 84.03 million per year. Based on the results of multiple linear regression of OLS, BMT financing has positive and significant impact on the change in business profits.
Faktor-Faktor yang Memengaruhi Realisasi Pembiayaan Mikro Syariah dan Dampaknya terhadap Omzet Usaha Nasabah: Studi Kasus KJKS BMT UGT Sidogiri Cabang Koja Jakarta Nadiah Hidayati; Widyastutik; Ranti Wiliasih
AL-MUZARA'AH Vol. 2 No. 1 (2014): AL-MUZARA'AH (June 2014)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (462.112 KB) | DOI: 10.29244/jam.2.1.54-74

Abstract

Micro-business has a role of the national economy development. However, micro scale entrepreneurs face problems of limited capital. This studyto analyze the factors affecting the amount of the financing provided BMT and their impact on bussiness turnover. This research was conducted in March-April at KJKS BMT UGT Sidogiri branch Koja Jakarta. This research used a purposive sampling technique with a total of 30 respondents. OLS analysis results proved thatbusiness aset, frequency financing, installment period, and dummy businesshave significantlyeffect on the realization of financing. Meanwhile, the factors affecting the customer’s turnover are business aset, amount of financing, business profit after financing, time duration of educational, time duration of business, and dummy business.
ANALISIS FAKTOR-FAKTOR YANG MEMENGARUHI PROFITABILITAS BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Ahmad Muhaemin; Ranti Wiliasih
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 2 No. 1 (2016): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (735.389 KB) | DOI: 10.30997/jn.v2i1.255

Abstract

ABSTRAKProfitabilitas merupakan salah satu indikator untuk mengukur kinerja lembaga keuangan, termasuk BPRS Bank, fokus bankswhich Islam dalam menyediakan keuangan mikro. Tujuan dari penelitian ini adalah untuk menganalisis faktor-faktor yang mempengaruhi profitabilitas BPR Islam di Indonesia. Penelitian ini menggunakan tanggal tanggal bulanan dari Januari 2013 sampai dengan Desember 2015 dengan metode analisis isOrdinary Least Square (OLS). Hasil penelitian ini menunjukkan bahwa Capital Adequacy Ratio (CAR) dan Financing to Deposit Ratio (FDR) memiliki relationshipeffect positif (signifikan) terhadap profitabilitas Islam Rural Banks.Non peforming Financing (NPF), Operasional Efficiency Ratio (OER), dan inflasi memiliki relationshipeffect negatif (signifikan) terhadapprofitabilitas BPR Islam, sementara BI rate hasa efek hubungan negatif (tidak signifikan) terhadap profitabilitas Bank Perkreditan Rakyat Islam diIndonesia.
FAKTOR DOMINAN YANG MEMENGARUHI KEPUTUSAN NASABAH UNTUK MENABUNG DI BANK SYARIAH, BPRS, DAN KSPPS Ranti Wiliasih; Fathia Shadrina
NISBAH: JURNAL PERBANKAN SYARIAH Vol. 3 No. 2 (2017): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (624.225 KB) | DOI: 10.30997/jn.v3i2.911

Abstract

Tujuan penelitian ini adalah mengetahui faktor dominan yang memengaruhi keputusan nasabah untuk menabung pada Bank Syariah, BPRS, maupun KSPPS. Penelitian ini dilakukan sejak bulan Maret hingga Mei 2017 di Bank Syariah Mandiri KCP Dramaga, BPRS Amanah Ummah, dan KSPPS Tadbiirul Ummah. Metode yang digunakan adalah analisis faktor. Hasil analisis data menunjukkan bahwa faktor dominan yang memengaruhi keputusan nasabah untuk menabung pada Bank Syariah adalah faktor pelayanan, adapun pada BPRS adalah faktor kesesuaian dengan prinsip syariah, dan pada KSPPS berupa faktor kredibilitas lembaga.
Determinants of Saving Decisions at Indonesian Islamic Banks During the COVID-19 Pandemic Muhammad Afifuddin Abdurrosyid Kamil; Ranti Wiliasih; Mohammad Iqbal Irfany
Annals of Management and Organization Research Vol. 4 No. 1 (2022): August
Publisher : goodwood publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/amor.v4i1.1387

Abstract

Purpose: This study aims to determine the characteristics and factors influencing the decision to save at Islamic banks, during the COVID-19 pandemic. Research methodology: The sample used in this study amounted to 400 participants, which were collected by online questionnaire. A logistic regression was also employed to estimate the influence of independent variables on the saving decisions of customers. This was accompanied by the implementation of descriptive analysis, to determine the characteristics of Islamic bank customers during the pandemic. Results: The characteristics of the participants were dominated by people aged 17-25, with the majority of them residing in West Java and working as a student. Besides this, data were also analyzed by using logistic regression analysis. Based on the results, several factors influenced the saving decisions of Islamic bank customers. In this case, evaluation and strategy were carried out to increase customer interest through knowledge of the types and benefits of Islamic savings. Limitations: This study was limited to the analysis of the factors influencing the saving decisions of Islamic bank customers during COVID-19. The contribution derived was also related to the saving demands of customers in Islamic banking. Contribution: The results highlighted the characteristics of Islamic bank customers during the pandemic, as reference material for banking managers to increase interest in their financial products. Originality: Based on the logistic regression, religiosity, knowledge, promotion, location, and age positively/significantly affected saving decisions at Islamic banks during the COVID-19 pandemic. This indicated that Islamic banking was not stuck in the market segment of the Muslim community, regarding the promotion of their products. In addition, promotion quality should be essentially improved, accompanied by the maintenance of business ethics and image as an Islamic bank.
Sharia hotel preferences among tourists in Bogor City: Factors and insights Alda Luthfiana; Ranti Wiliasih; Mohammad Iqbal Irfany; Daffa Aqomal Haq
Journal of Sustainable Tourism and Entrepreneurship Vol. 4 No. 1 (2022): September
Publisher : Goodwood Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/joste.v4i1.1654

Abstract

Purpose: The objective of this study is to examine the factors influencing consumer demand for Sharia hotel services in Bogor City and their characteristics to provide invaluable guidance for related parties. Research Methodology:  This study employs descriptive and multiple regression analyses using data collected from Sharia hotel consumers in Bogor City using a convenience sampling technique with 59 samples. Results: The results show that consumers of Sharia hotels in Bogor City use conventional hotel services more often than Sharia hotels. The factors influencing tourists’ use of Sharia hotel services in Bogor City are the relative prices of Sharia hotels to conventional hotels, knowledge, religiosity, service quality, and facilities owned by Sharia hotels. Limitations: The study is geographically confined to three specific Sharia hotels in Bogor City: Sahira Hotel, Sahira Butik Hotel Bogor, and Sahira Butik Hotel Pakuan, which may not be representative of sharia hotels in other regions. Contributions: Offers insights into consumer behavior in Bogor City's Sharia hotel sector, aiding future business and policy decisions in halal tourism.
PENGARUH VARIABEL MAKROEKONOMI TERHADAP NILAI AKTIVA BERSIH REKSADANA SYARIAH DAN KONVENSIONAL DI INDONESIA Faisal, Muhammad Ircham; Wiliasih, Ranti
Ar-Rihlah : Jurnal Keuangan dan Perbankan Syariah Vol 2, No 2 (2022): September
Publisher : Universitas Suryakancana

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (535.918 KB) | DOI: 10.35194/arps.v2i2.2642

Abstract

ABSTRAKPerbedaan   Reksadana syariah dan Reksadana konvensional yaitu adanya tahap screening and cleansing serta tidak diperbolehkanya berinvestasi kedalam efek yang tidak sesuai syariat Islam diduga memiliki dampak terhadap merespon perubahan variabel makroekonomi yang ada. Penelitian  ini bertujuan untuk menganalis pengaruh variabel makroekonomi yaitu suku bunga, nilai tukar, indeks harga saham gabungan, jumlah uang beredar dan produk domestik bruto terhadap Nilai Aktiva Bersih (NAB) Reksadana syariah dan konvensional. Metode yang digunakan adalah Vector Error Correction Model (VECM). Hasil penelitian menunjukkan bahwa suku bunga, nilai tukar, indeks harga saham gabungan dan jumlah uang beredar berpengaruh signifikan dalam jangka panjang terhadap nilai aktiva bersih Reksadana syariah, sedangkan nilai aktiva bersih reksadana konvensional hanya dipengaruhi produk domestik bruto dalam jangka panjang. Dampak negatif PDB terhadap NAB reksadana syariah menunjukkan bahwa Reksdana syariah berakar kuat pada sektor riil.ABSTRACTThe difference between the sharia and conventional mutual funds is that there is a screening and cleansing stage and it is not permissible to invest in securities that are not in accordance with Islamic law that expected to have an impact to response macroeconomics variable. This study aims to analyze the effect of macroeconomic variables, namely interest rates, exchange rates, composite stock price index, money supply and gross domestic product on the Net Asset Value (NAV) of Islamic and conventional mutual funds. The method used is the Vector Error Correction Model (VECM). The results show that interest rates, exchange rates, joint stock price index and money supply have a significant long-term effect on the net asset value of Islamic mutual funds, while the net asset value of conventional mutual funds is only affected by gross domestic product in the long run.
Strategi Upaya Pengembangan dalam Keberlanjutan Program Desa Mandiri Energi (DME) Basis Nyamplung Putri, Uly Anggraeni; Asih, Fenty Wurni; Pratiwi, Anggi Setya; Yasin, Firman Thaha; Wiliasih, Ranti
Policy Brief Pertanian, Kelautan, dan Biosains Tropika Vol 6 No 2 (2024): Policy Brief Pertanian, Kelautan dan Biosains Tropika
Publisher : Direktorat Kajian Strategis dan Reputasi Akademik IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/agro-maritim.0602.844-848

Abstract

Krisis energi yang melanda Indonesia bukan hanya menjadi hambatan bagi pertumbuhan ekonomi, tetapi juga melanggar tujuan-tujuan Sustainable Development Goals (SDGs) poin 7.2 yang menargetkan peningkatan akses masyarakat terhadap energi yang terjangkau, berkelanjutan, dan modern. Bahan bakar nabati atau biofuel dapat dijadikan alternatif untuk mengatasi krisis energi di masa depan (Budianto et al., 2021). Sejalan dengan hal tersebut, pemerintah Indonesia melaksanakan Program Desa Mandiri Energi (DME) yang dicanangkan pada tahun 2007 sebagai solusi inovatif untuk mengatasi krisis energi di tingkat lokal. Program tersebut merupakan bentuk implementasi Peraturan Presiden No. 5 tahun 2006 tentang Kebijakan Energi Nasional. Menurut Permen ESDM Nomor 32 Tahun 2008, DME adalah desa yang menggunakan dan memproduksi energi terbarukan untuk menyediakan dan memenuhi 60 persen dari energi yang dibutuhkan untuk keperluan desa dan lokasinya remote. Kementerian Kehutanan menyebutkan bahwa nyamplung cocok dijadikan biofuel karena mempunyai rendemen minyak mencapai 65,8 persen lebih tinggi dibandingkan kelapa sawit dan jarak pagar (Muderawan dan Daiwataningsih, 2016). Pada tahun 2009, dilaksanakan program DME nyamplung di 3 desa yaitu Desa Ambal Kabupaten Kebumen, Desa Buluagung Kabupaten Banyuwangi, dan Desa Patutrejo Kabupaten Purworejo. Walaupun program DME nyamplung mengalami kegagalan, namun terdapat potensi untuk pengembangan program DME nyamplung yang berkelanjutan dengan melibatkan organisasi non-pemerintah, seperti Lembaga Swadaya Masyarakat (LSM), maupun komunitas lainnya. LSM memiliki peran krusial sebagai mitra potensial dalam memperbaiki dan memperkuat pelaksanaan program, serta dapat menjadi kekuatan dorong untuk mencapai tujuan pembangunan energi yang inklusif dan berkelanjutan di Indonesia.
Faktor-Faktor yang Memengaruhi Volume Perdagangan Sukuk Ritel SR-008 di Indonesia Rafki, Muhammad; Wiliasih, Ranti; Irfany, Mohammad Iqbal
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 1 No. 2 (2022): Januari
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (2001.654 KB) | DOI: 10.35912/bukhori.v1i2.1363

Abstract

Purpose: To determine the factors that influence SR-008 Retail Sukuk trading volume and sukuk trading volume response to economic variable shocks. Method: VAR / VECM. The variables used consisted of price and yield of SR-008 retail sukuk, mudharabah deposit profit sharing rate, commercial bank deposit interest rates, BI Rate, inflation, and Gross Domestic Product (GDP). The period used is from March 2016 to April 2019. Result: Show that the variable interest rates on commercial bank deposits and yields have a positive effect on trade volume. While inflation, interest rates, profit sharing rates for mudharabah deposits, BI Rate and GDP have a negative effect on retail sukuk trading volume.