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THE IMPACT OF PRODUCTIVE AND CONSUMPTIVE FINANCINGS ON INDONESIAN ISLAMIC BANKING PROFITABILITY: MARKOV SWITCHING DYNAMIC REGRESSION Wahyu Wibisono Wahid; Imron Mawardi; Muhammad Ubaidillah Al Mustofa; Mohammad Haidar Risyad; Dzikri Nurrohman; Nuria Latifah
Jurnal Ekonomi dan Bisnis Islam (Journal of Islamic Economics and Business) Vol. 9 No. 1 (2023): JANUARY-JUNE 2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jebis.v9i1.45639

Abstract

This study investigates the effect of Islamic bank financings on banks' profitability during two distinct periods, namely stable and unstable conditions. This study also examines the profitability tendencies of banks during the two periods mentioned. To answer these objectives, this study applies the Markov Switching Dynamic Regression technique to 173 monthly observations from the Islamic commercial banking industry from December 2007 to March 2022. In stable times, the results indicate that productive financing harms the profitability of Islamic banks. Productive financing entails greater credit risk and can raise principal-agent concerns, moral hazard, and adverse selection. Consequently, productive financing necessitates higher monitoring costs. In an unstable period, consumptive financing negatively affects Islamic bank profitability. The proportion of consumptive financing exceeds the proportion of productive financing. This then increases the risk of credit and default, especially during economic instability when many consumers request reconditioning and even restructuring of financings from the bank. In addition, the results indicate that the profitability of Islamic banking is anticipated to endure longer in stable regimes and to recoup more quickly from unstable or crisis regimes. The findings of this study will likely serve as references and materials for banking management decisions, particularly financing decisions during periods of economic stability and crisis. Islamic banking should prioritize consumer financing during periods of economic stability and increase the proportion of productive financing during periods of economic instability.
MENINGKATKAN DAYA SAING UMKM GERABAH MLATEN MELALUI DIGITALISASI KEUANGAN DAN PENGUATAN BRANDING Mardhiyah, Dien; Mawardi, Imron; Hartini, Sri; Widiastuti, Tika; Wulandari, Annisa; Fudam, Mochamad Radika Bahtiar Brilianta
Jurnal Pengabdian Masyarakat FKIP UTP Vol 7 No 2 (2026): PROFICIO : Jurnal Abdimas FKIP UTP
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Tunas Pembangunan Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36728/jpf.v7i2.7040

Abstract

Desa Mlaten, Kecamatan Puri, Kabupaten Mojokerto merupakan salah satu sentra gerabah tradisional di Jawa Timur yang memiliki potensi ekonomi cukup besar. Namun, sebagian besar pelaku usaha masih menghadapi kendala dalam pengelolaan usaha, terutama pada aspek branding, pengelolaan keuangan, dan akses pembiayaan. Kegiatan pengabdian kepada masyarakat ini bertujuan meningkatkan kapabilitas pelaku usaha melalui pelatihan dan pendampingan yang terintegrasi. Program dilaksanakan selama Mei–Agustus 2025 dengan melibatkan 25 pelaku usaha gerabah yang tergabung dalam Paguyuban Pengrajin Gerabah Desa Mlaten. Metode yang digunakan meliputi observasi, wawancara, pelatihan, pendampingan, serta evaluasi menggunakan pre-test dan post-test yang didukung observasi lapangan. Hasil kegiatan menunjukkan adanya peningkatan pengetahuan peserta pada seluruh materi pelatihan, dengan peningkatan tertinggi pada materi personal dan product branding. Selain itu, peserta mulai menerapkan identitas merek pada produknya, memanfaatkan media sosial sebagai media promosi, menggunakan aplikasi digital untuk pencatatan keuangan, serta memiliki pemahaman yang lebih baik mengenai akses pembiayaan usaha. Program ini menunjukkan bahwa kombinasi pelatihan dan pendampingan mampu meningkatkan kapasitas pelaku usaha serta mendorong penerapan praktik bisnis yang lebih profesional dan berkelanjutan.
Co-Authors Achmad Hijri Lidnillah Achmad Hijri Lidnillah, Achmad Hijri Achmad Kharis Adhama, Gabriella Jodie Adlan, Muhammad Afifa, Ulfia Nur Ahmad Sodiq, Ahmad Ainur Rachman Ainur Rachman, Ainur Ainur Rofiq Kurniawan Ajeng Gama Rosyida Al Ma'rifatul A'la Al Mustofa, Muhammad Ubaidillah Almustofa, Muhammad Ubaidillah Ambariyanto Ambariyanto Anisa Priyanka Jasmine Anwar Allah Pitchay, Anwar Allah Aprilidya Ayu Parandita Ananta Apriwiliza, Gita Ardiantono, Dewie Saktia Ardina Talitha Nidya Arfiani, Ninda Ari Prasetyo Ariska Oktavia Arni Dini Inayati Asya'bani, Nispia Atiya, Nikmatul Aufar Fadlul Hady Aulia Ramadhani Aysha Dhamaring Nugroho Azel Raoul Reginald Azel Raoul Reginald, Azel Raoul baharsyah, akmal ilham Bayu Wardhana Bintang Hanifian Syahdana Bintang Pratama Buana Putra Bonang, Dahlia Candika, Yossy Imam Clarashinta Canggih Diamantin Rohadatul Aisy Dian Anggraini Diaz Tulus Anandri Diaz Tulus Anandri Dien Mardhiyah Dzikri Nurrohman Dzikri Nurrohman Eka Puspa Dewi Eko Fajar Cahyono, David Kaluge Ergun, Hüseyin Fahamsyah, Mohammad Hatta Faizurrahman, Umar Haidar Fakhrana, Fathaniadina Falah, Yusril Faridatun Nila Faridatun Nila Faridatun Nila Fary Adisetya Putra Fathaniadina Fakhrana Febrianti, Puput Rosita Febrinda Eka Damayanti Fihrist Rayhan Deqauni Firsty Izzata Bella Fithrotin Azizah Rahmah Fitri Nur Latifah Fudam, Mochamad Radika Bahtiar Brilianta Gabriella Jodie Adhama Gea Papurane Langi Hamid Fahmy Zarkasyi Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Hanoraga, Tony Hanoraga, Tony Huzein Satrio Prasetyawan Ilham Nur Agustha Ilham Nur Agustha, Ilham Nur Ilmiawan Auwalin Imam Sopingi Imam Wahyudi Indrawan Iman, Shofal Indi Masita Lisdawami Indra Kharisma Raharjana Insani, Taqiyah Dinda Insani, Taqiyah Dinda Ira Erlinawati Ira Erlinawati, Ira Irham Zaki Ishma Amelia Jihad Jihad Jihad, Jihad Khairun Nisa Khoirul Umam Kurniawan, Ainur Rofiq Kusnul Ciptanila Yuni K Kusuma, Aditya Listiana Juwita Machfud, Syafrina Mahmudah, Siti Nur Matsahri, Matsahri Mirna Ainurrachma Moch. Ali Fudin Al Islami Moh Fudholi Moh. Fudholi Moh. Fudholi Mohammad Haidar Risyad Mohammad Haidar Risyad Muhamad Nafik Hadi Ryandono Muhammad Ali Nuruddin Muhammad Nafik HR Muhammad Sanusi Muhammad sanusi Muhammad Syauqi Muhammad Syauqi Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al-mustofa Muhammad Wicaksono Hasdyani Putra Muslich Anshori Mustofa, Muhammad Ubaidillah Al Mutmainah Mutmainah Nadia Arisanti Naili Jazilinn’am Nareswari Saputro Nareswari Saputro, Nareswari Nauval Fadhillah Gusti Wijaya Nidya, Ardina Talitha Nikmatul Atiya Nila, Faridatun Nisa, Khairun Nisful Laila Norma Rosyidah Norma Rosyidah, Norma Nova Rini Nova Rini Novalia Nastiti Novalia Nastiti, Novalia Novita Novita Nuria Latifah Nurul Asfiah Nurul Asfiah Okyviandi Putra Erlangga Ongky Martha Dwiyananda Ongky Martha Dwiyananda, Ongky Martha Pramita Agustin Pramita Agustin, Pramita Puji Sucia Sukmaningrum Puput Rosita Puput Rosita Febrianti Putra, Fary Adisetya Putra, Muhammad Wicaksono Hasdyani R Moh Qudsi Fauzi R Wahyu Agung Utama R Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama R. Wahyu Agung Utama Rachman Sugiharno Raditya Sukmana Rahmadany, Zhahirah Adriana Ramdani Ramdani Rani, Lina Nugraha Renny Oktafia Renny Oktafia, Renny Ridan Muhtadi Rifqul Ma'isyah Ririn Tri Ratnasari Rosana Puspasari Rosana Puspasari, Rosana Rosidi, Dinda Oktaviona Sadikin, Muhamat Ali Samsidar Widiarso Sarker, Md Atiqur Rahman Setiyo Aji Shabbir, Malik Shahzad Siti Maisaroh Siti Maisaroh Siti Nur Azizaturrohmah Siti Nur Azizaturrohmah, Siti Nur Siti Nur Mahmudah Siti Zulaikha Siti Zulaikha Soleh, Mochamad Soleh, Mochammad Sri Hartini Sri Herianingrum Sri Ningsih Sulaeman Sulaeman Sunan Fanani, Sunan Sunarno Sunarno Taqiyah Dinda Insani Taufan Indrasasmita Tika Widiastuti Tjiptohadi Sawarjuwono Tjiptohadi Sawarjuwono Ubaidillah, Muhammad Utama, R Wahyu Agung Utama, R. Wahyu Agung Wahyu Wibisono Wahid Wahyuningsih Wahyuningsih Wisudanto Wisudanto Wulandari, Annisa Yan Putra Timur Yanuar Dharma Putra Zaim Nur Afif Zaim Nur Afif, Zaim Nur Zaimy Johana Johan Zain, Nur Habiba Zainal Abidin