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All Journal El Dinar JDE (Journal of Developing Economies) HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmu Ekonomi dan Pembangunan JURNAL MUQODDIMAH : Jurnal Ilmu Sosial, Politik dan Hummaniora International Journal of Supply Chain Management Journal of Economic, Management, Accounting and Technology (JEMATech) Shirkah: Journal of Economics and Business Iqtishoduna: Jurnal Ekonomi Islam International Journal of Zakat (IJAZ) Jurnal Pengabdian kepada Masyarakat Nusantara Nusantara Islamic Economic Journal Indonesian Journal of Islamic Economics and Finance Maliki Islamic Economics Journal STATISTIKA Imara: Jurnal Riset Ekonomi Islam
Laila M. Pimada
Fakultas Ekonomi Dan Bisnis, Universitas Brawijaya
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Transportation Other

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Journal : El Dinar

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PELUANG DAN TANTANGAN MERGER BANK SYARIAH MILIK NEGARA DI INDONESIA PADA MASA PANDEMI COVID-19 Fiqri, Alfany Arga Alil; Azzahra, Minerva Maharani; Branitasandini, Khansa Dzakiyah; Pimada, Laila Masruro
El Dinar: Jurnal Keuangan dan Perbankan Syariah Vol 9, No 1 (2021): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v9i1.11315

Abstract

The existence of COVID-19 in Indonesia had an impact on economy, including banking sector. However, sharia banking sector didn’t show a positive trend. However, even though sharia banking shows a positive trend, penetration rate of Islamic banking market in Indonesia is still relatively small when compared to conventional banking. That has made government decide to make a merger policy in state-owned sharia banking in hope that it can increase market penetration in Indonesia. This article is written to analyze about opportunities and challenges of merger policy for sharia banking considering the large role of sharia banking in improving country's economy. On the other hand, this policy was implemented in the midst of the COVID-19 pandemic. This article uses qualitative data analysis with descriptive methods and through a literature study approach. The data analysis focuses on the opportunities and challenges of the sharia banking merger policy by Indonesian’s government. Researchers use secondary data as a source for making articles. Based on research results, the formation of Bank Syariah Indonesia (BSI) as a result of merger provides many opportunities such as increasing assets, expanding market penetration, and operating cost efficiency. Meanwhile, financing and operational risk are two big challenges that need attention. This study contributes as inputs for stakeholders’ decisions in developing Islamic bank and finance
HOW THE COVID-19 OUTBREAK AFFECT THE EFFICIENCY OF ISLAMIC RURAL BANKS? Titis Miranti; Nur Avni Aulia; Laila Masruro Pimada
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 10, No 1 (2022): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v10i1.15577

Abstract

Islamic Rural Banks (BPRS) have an essential function for developing the Micro, Small, and Medium Enterprises (MSME) sector. For the BPRS to exist and not be liquidated, the BPRS needs to maintain its financial efficiency. This study aims to determine the efficiency of a BPRS in East Java. Then, this is to find out what affects the efficiency. Two Stages-Data Envelopment Analysis (DEA) calculate the efficiency. The first stage of data analysis is carried out by assessing the efficiency of the BPRS. The second stage is the analysis of variables that affect efficiency using logistic regression. This analysis also uses the description of the year of the Covid pandemic as a predictor variable. The results of this study found that the BPRS in East Java was categorized as inefficient (inefficiency). However, from the 20 samples used, there are three efficient BPRS based on the average individual BPRS during the 2012-2020 period. Based on logistic regression analysis, it is known that the factors that affect the efficiency of BPRs include Operational Costs and Operating Income, Earning Assets, and the pandemic era.
Co-Authors Alfan Mufti Rabbani Alya Prastika Rany Annisa Sasri Anindya Azriel Auqi Attarsyah Azzahra, Minerva Maharani Branitasandini, Khansa Dzakiyah Cindy Ayu Prasasti Cindy Putri Hariyatin Deni Kurniawan Devi Nur Cahaya Ningsih Echa Valentina Gunawan Eka Arista Widya Fachrounissa Zein Vitadiar Fauzan Karback Fiqri, Alfany Arga Alil Habiburrahman Habiburrahman Hasibuan, Riyadi Irvan Fauzi Irvan Yusuf Nugroho Ishmah Zahirah Kamila Puspamurti Khalista Gumay Citra Lama'ah Lama'ah Luthfatul Amaliana M Umar Burhan Malik, Syafiq Muhammad Fakhri Arsyi Muhammad Tsabat Zidni Muhtadi Ridwan Najma Nabiela Nur Asnawi Nur Avni Aulia Nur Silviyah Rahmi Rabbani, Alfan Mufti Reza Yesica Reza Yesica Riska Nur Istiqomah Riyadi Hasibuan Rizki Nurhidayat Rizqi Bhakti Nur Sayuta Sa'diyah, Nabilah Salsabila Azkia Farhani St. Elmiana Febri Syahputri Syafiq Malik Titis Miranti Titis Miranti, Titis Vidya Rizky Nurina Vidya Wike Bierneta