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Faktor – Faktor Yang Mempengaruhi Pertumbuhan Aset Bank Syariah Di Indonesia Tahun 2006-2015 Diamantin Rohadatul Aisy; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 3 (2016): Maret-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (185.847 KB) | DOI: 10.20473/vol3iss20163pp249-265

Abstract

This research aimed to determine the external and internal factors affect to the assets growth of Islamic banking in Indonesia, in time year 2006 until year 2015. The approach is a quantitative approach using PLS (Partial Least Square) analytical techniques with three latent variables, that is external factors as an exogenous variable wich which used to reflect external factors in this research are inflation, GDP Growth, BI rate, and money supply (M2); internal factors as an endogenous variable which are reflected by profit sharing rate, promotion, education and training cost, NPF ratio, ROA ratio, FDR ratio, Third-Party Funds, quantity of office bank, and office channeling; and assets growth of Islamic banking as an endogenous variable. The result of this research showed that external factors has a significant effect to internal factors. However, both external factors and internal factors have no significant effect to the growth of Islamic banking asset.
Pengaruh Total Aktiva, Capital Adequacy Ratio (CAR), Finance To Deposit Ratio (FDR) Dan Non Performing Financing (NPF) Terhadap Return On Assets (ROA) Bank Umum Syariah Di Indonesia Periode 2010-2014 Okyviandi Putra Erlangga; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 7 (2016): Juli-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (322.6 KB) | DOI: 10.20473/vol3iss20167pp561-574

Abstract

The purpose of this study is to analyze the impact of the variables firm size, liquidity, capital adequacy and financing fraud on Sharia Bank profitability in Indonesia by January 2010 until December 2014 period. Research using purposive sampling method for taking samples. Data obtained based on Bank of Indonesia published via Website realtime, obtained 60 samples.Research variables consisted of four independent variables and 1 dependent variable. Data analysing technique to answer research problem and examine research hypothesis using Double Linear Regression Analysis that supported by SPSS Statistics version 20 application.Based on the research, known that the effect of firm size (asset total), Liquidity (FDR), financing fraud (NPF) on Sharia Bank profitability partially significant. Meanwhile, the effect of capital adequacy (CAR) on Sharia Bank profitability not too significant.
Penanganan Pembiayaan Murabahah Macet Pada Koperasi Pondok Pesantren (KOPONTREN) XYZ Sunarno Sunarno; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 8 (2016): Agustus-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (284.108 KB) | DOI: 10.20473/vol3iss20168pp656-668

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Murabaha Financing have potentially lower risk than other financing product. It chosen by USP Kopontren XYZ to fulfill members financing demand both for business development and consumptive purposes. Termination of Employment Relationship, working cycle and Bad characters some members cause of the collectibility default in Murabaha Financing.This study using qualitative approach and case studies. The collection of primarydata through in-depth interview, while secondary data obtained from the AnnualMembers Meeting report Kopontren XYZ . Explanation building analysis techniques are use to explain the results of in-depth interviews in order to explain the handling of murabaha financing collectibility default.The results explained to handling collectability default adopt according to The Minister of Cooperatives and Small and Medium Enterprises of the Republic of Indonesia Number: 35.3 / Per / M.KUKM / X / 2007, executing from cash collateral, financial penalties for those who deliberately, and converts the contract.
Perbandingan Kinerja Reksadana Syariah Di Indonesia Menggunakan Metode SHARPE (Studi Kasus Reksadana Syariah Saham, Reksadana Syariah Pendapatan Tetap dan Reksadana Syariah Campuran periode 2012-2014) Bintang Pratama Buana Putra; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 9 (2016): September-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (326.174 KB) | DOI: 10.20473/vol3iss20169pp683-698

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This research aims to find out the comparison between the performance of Islamic mutual funds of stock, Islamic mutual funds of fixed income and combined Islamic mutual funds. The method of this measuring calculates upon the risk factors and the return rate of those three kinds of Islamic mutual fund. This research uses 21 samples of Islamic mutual fund in Indonesia which consist of seven Islamic mutual funds of stock, seven Islamic mutual funds of fixed income and seven combined Islamic mutual funds. The approach used is a quantitative approach with the analysis technique of ANOVA. The result of this study shows that there is no difference between the performances of Islamic mutual funds of stock, Islamic mutual funds of fixed income and combined Islamic mutual funds on the period of January 2012 until December 2014 which has been analyzed using Sharpe method.
Analisis Faktor-Faktor Yang Mempengaruhi Surplus Underwriting Asuransi Umum Syariah Di Indonesia Febrinda Eka Damayanti; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 12 (2016): Desember-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (307.711 KB) | DOI: 10.20473/vol3iss201612pp989-1005

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The purpose of this research is to know whether factors of Surplus Underwriting (participant contributions, claims and investment returns) have significant effect, both simultaneously and partially. The method used in this research is quantitative method and also using the secondary data which obtained from financial reports and other reports started from 2012 – 2014. The population is sharia general insurance and sharia unit of general insurance in Indonesia. The sample are 13 general insurance companies that comply with the spesified sample criteria. Analysis technique used is multiple linier regression analysis of panel data.
Perbandingan Reksa Dana Pendapatan Tetap Syariah dan Reksa Dana Saham Syariah Berdasarkan Tingkat Pengembaliannya Pada Periode Januari 2011 - Desember 2014 Samsidar Widiarso; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 4 (2017): April-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (146.876 KB) | DOI: 10.20473/vol4iss20174pp268-280

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This research aims to know the comparison of the rate of return on fixed income mutual funds stock mutual funds and the Islamic Shariah from January 2011 to December 2014. The research method used is the quantitative approach. Variable used is the return value of the net assets of mutual funds, fixed income and net asset value of mutual fund shares. As for the analytical techniques used are paramatrik statistical hypothesis test using two sample is not paired and test the average difference T-Test.Based on the results of the research there is, normality test variables that are not distributed normally so do test Mann-Whitney on a variable with a result of 757.000 with significance value of 0.039. Then there is asignificant difference in the rate of return fixed income mutual funds stock mutual funds and the Islamic Sharia.
Pengembangan Produk Funding KSPPS BMT Amanah Ummah Jawa Timur Indi Masita Lisdawami; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 11 (2017): November-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (230.316 KB) | DOI: 10.20473/vol4iss201711pp889-901

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BMT must be able to compete with financial institutions, so that BMT must have an appropriate strategy in its operational, including product development strategy. This research aims to find out how funding product development strategy works on KSPPS BMT Amanah Ummah West Java. This research uses qualitative approach with a case study. And it also uses sharia finance product development strategy that is according to Suwailem.Suwailem has three main strategies, which are Imitation, Mutation, and Satisfaction. The data collection technique uses interview to informants in KSPPS BMT Amanah Ummah.The result shows, KSPPS BMT Amanah Ummah has 11 types of deposit products. The first strategy is Imitation Strategy that has transferred conventional product to sharia product. After that, the products development more use mutation strategy. Mutation strategy is a strategy that develops new product by knowing existing product at sharia financial instituion, then it is modified to social needs.
Kinerja Portofolio Optimal Pada Saham Syariah Mutmainah Mutmainah; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 12 (2017): Desember-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (498.412 KB) | DOI: 10.20473/vol4iss201712pp994-1008

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This study wants to describe whether an optimal portfolio which was formed in 2013-2015 it was good in 2016 compared to the performance of Jakarta Islamic Index and described as it is. The formation of the portfolio using single index model and the performance is measured by using the Sharpe index. This research is quantitative descriptive research. This research uses secondary data, carried out on the stock consistently at the Jakarta Islamic Index in January 2013-July 2016. Based on data, there were 18 shares actively and four stocks forming optimal portfolio composed of AKRA, TLKM, ICBP, and UNVR. Optimal portfolio performance in 2016 was 0,720 while the performance of the market was 0,676. With the results showed that it formed a good portfolio because the result was higher than the market. So investors or investment managers can make this portfolio as investment considerations.
Tingkat Bagi Hasil Deposito Melalui Variabel Intervening Dana Pihak Ketiga Terhadap Pembiayaan Mudharabah Bank Syariah Setiyo Aji; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 5 (2019): Mei-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20195pp957-967

Abstract

This study aims to determine the effect of profit sharing rates on deposits to third party funds and financing mudharabah sharia banks partially or simultaneously. The approach used is a quantitative approach by using the pathway analysis technique with three variables, namely the profit-sharing rate of deposits as ecogenous variable. Population in this study is the sharia bank industry registered in the statistics of Islamic banking published by the website of the Bank Indonesia. The sample used in this study as many as 60 samples with data from January 2012 until December 2016. Data collection is done by collecting financial statements of the sharia bank industry monthly period 2012-2016.Keywords: Sharia banks, profit-sharing rates, third party funds, mudharabah financingREFFERENCESAntonio, M. S. (2001). Bank Syariah: Dari teori Ke Praktik . Jakarta: Gema Insani Press.Anjani, R., & Hasmarani, M. I. (2016). Pengaruh Pembiayaan Mudharabah, Musyarakah Dan Murabahah Terhadap Profitabilitas BPRS Di Indonesia Periode 2012-2015.Syariah Paper Accounting FEB UMS.Arifin, Z. (2009). Dasar-dasar Manajemen Bank Syariah. Tangerang: Azkia Publisher.Arnan dan Kurniawasih. (2014). Pengaruh Jumlah Dana Pihak Ketiga dan Tingkat Non-Performing Financing Terhadap Pembiayaan Mudharabah pada Bank Umum Syariah di Indonesia.Proceedings SNEB 2014: 2.Aswad. (2014). Analisis Bagi Hasil Financing dalam Perbankan Syariah. Vol. 1, No. 1, Oktober 2014.Bahri. (2015). Model Penelitian Kuantitatif Berbasis SEM-Amos. Yogyakarta: DeepublishBarus, A. C., & Sulistyo, D, (2011), Hubungan Efisiensi Operasional Dengan Kinerja Profitabilitas Pada Sektor Perbankan Yang Go Public Di Bursa Efek Indonesia.Jurnal Wira Ekonomi Mikroskil, Vol. 1, No. 02, hal 89-97.Chair, W. 2014.Riba Dalam Perspektif Islam.Iqtishadia Vol. 1 No. 1Daniar. 2015. Asuransi Perspektif Al-Qur’an. Islamic Economic JournalVol. 1, No. 2 ISSN 2460-1896Fadhila, N. (2015). Analisis Pembiayaan Mudharabah Dan Murabahah Terhadap Laba Bank Syariah Mandiri.Jurnal Riset Akuntansi Dan Bisnis, Vol. 15, No. 1.Fahrul, F., Arfan, M., & Darwanis. (2012). Pengaruh Tingkat Risiko Pembiayaan Musyarakah Dan Pembiayaan Murabahah Terhadap Tingkat Profitabilitas Bank Syariah (Studi Pada Bank Aceh Syariah Cabang Banda Aceh). Jurnal Akuntansi Pascasarjana Universitas Syiah Kuala, Vol. 2, No. 1.Ferdiansyah. (2015). Pengaruh Rate Bagi Hasil Dan BI Rate Terhadap Dana Pihak Ketiga Perbankan Syariah (Studi Pada Bank Pembiayaan Rakyat Syariah Yang Terdaftar Di Bank Indonesia).JOM Fekon, Vol. 2, No. 1.Gani, I., & Amalia, S. 2015.Alat Analisis Data: Aplikasi Statistik untuk Penelituan Bidang Ekonomi dan Sosial. Yogyakarta: Andi.Ghazali, I. 2011. Model Persamaan Struktural Konsep dan Aplikasi dengan Program Amos 19,0. Semarang: UndipGustina, 2011. Islamic Banking System: Studi Analisis Perkembangan Perbankan Syariah Di Indonesia.Jurnal Akuntansi & Manajemen Vol 6 No.1 ISSN 1858-3687Hadad, M. D. 2017. Laporan Perkembangan Keuangan Syariah 2016. OJK (Otoritas jasa keuangan)
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Dian Anggraini; Imron Mawardi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1607-1619

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The purpose of this study is to analyze the factors that affect the profitability of Sharia Commercial Bank in Indonesia. The sampling technique used is saturated sampling, so the population and sample is the Sharia Commercial Bank periode October 2014-March 2018 which amounted to 42 months. This study uses a quantitative approach with multiple linear regression analysis technique.The result showed that with 95% confidence level partially variable Financing to Deposit Ratio have significant effect to profitability, while variable Natural Uncertainty Contract Financing, Non Performing Financing, and Equity have no significant effect on profitability of Sharia Commercial Bank in Indonesia. Nevertheless, Natural Uncertainty Contract Financing, Non Performing Financing, Financing to Deposit Ratio and Equity simultaneously have significant effect to the profitability of Sharia Commercial Bank in Indonesia. With the coefficient of determination of 33,2%.Keywords: Natural Uncertainty Contract, Non Performing Financing, Financing to Deposit Ratio, EquityREFFERENCESDepartemen Agama RI.2009. Al-Qur’an dan Terjemahnya hal 546. Bandung: PT Sygma Examedia ArkanleemaHidayah, Liza Nur. 2013. Pengaruh Pembiayaan Natural Uncertainty Contract (NUC) dan Natural Certainty Contract (NCC) Terhadap Profitabilitas Bank Umum Syariah Periode 2008-2012. Skripsi. Malang: Universitas Islam Negeri Maulana Malik Ibrahim.Ikatan Akuntan Indonesia. 2007. Standar Akuntansi Keuangan. Jakarta: Salemba Empat.Kasmir, 2013. Bank dan Lembaga Keuangan Lainnya. Jakarta: PT Raja Grafindo PersadaKurnia, Indra.2012. Analisis Pengaruh BOPO, Equity to Total Assets Ratio, Loan to Assets Ratio, dan Firm Size Terhadap Kinerja Keuangan. Semarang. Universitas Dipone-goroOtoritas Jasa Keuangan. 2017. Laporan Perkembangan Keuangan Syariah. Jakarta: Otoritas Jasa Keuangan. Hlm. 19. 2018. Statistik Perbankan Syariah Tahun 2018. Jakarta: Otoritas Jasa Keuangan. 2017. Statistik Perbankan Syariah Tahun 2017. Jakarta: Otoritas Jasa Keuangan. 2016. Statistik Perbankan Syariah Tahun 2018. Jakarta: Otoritas Jasa Keuangan. 2015. Statistik Perbankan Syariah Tahun 2018. Jakarta: Otoritas Jasa Keuangan. 2014. Statistik Perbankan Syariah Tahun 2018. Jakarta: Otoritas Jasa KeuanganSuryani. 2011. Analisis Pengaruh Financing To Deposit Ratio Terhadap Profitabilitas Perbankan Syariah Di Indonesia. Jurnal Walisongo STAIN Malikus Saleh Lhokseumawe. vol. 19. No. 1 : 48-49.Sutrisno. 2016. The Effects of Financing and Risks on the Performance of Islamic Bank: Empirical evidence from Indonesian Islamic Bank. Business and Management Research Journal Vol. 6 (3): 29-36Taufik, Hidayat. 2011. Buku Pintar Investasi Syariah. Jakarta: Mediakita.Wulandari, Retno. 2017. Pengaruh Capital Adequacy Ratio, Financing to Deposit Ratio, Non Performing Financing, dan Pertumbuhan Dana Pihak Ketiga Terhadap Rteurn On Assets Pada BPRS di Indonesia Periode 2011-2015. Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.Wasiuzzaman, Shaista dan Hanimas Ayu Bt. Ahmad Tarmizi. 2010. Profitability of Islamic Banks in Malaysia An Empirical Analysis. Journal of Islamic Economics, Banking and Finance, Vol. 6 (4):64
Co-Authors Abdullah, Syahidah Achmad Hijri Lidnillah Achmad Hijri Lidnillah, Achmad Hijri Achmad Kharis Adhama, Gabriella Jodie 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 Ardina Talitha Nidya Arfiani, Ninda Ari Prasetyo Arifin, Nur Rachmat 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 Pratama Buana Putra Bonang, Dahlia Dewie Saktia Ardiantono Diamantin Rohadatul Aisy Dian Anggraini Diaz Tulus Anandri Dien Mardhiyah Dinda Oktaviona Rosidi Dzikri Nurrohman Dzikri Nurrohman Eka Puspa Dewi Eko Fajar Cahyono, David Kaluge Ergun, Hüseyin Fahmy Zarkasyi, Hamid Faizurrahman, Umar Haidar Fakhrana, Fathaniadina Falah, Yusril Faridatun Nila Faridatun Nila Faridatun Nila Fary Adisetya Putra Fathaniadina Fakhrana Febrianti, Puput Rosita Febrinda Eka Damayanti Firsty Izzata Bella Fithrotin Azizah Rahmah Fitri Nur Latifah Gabriella Jodie Adhama Gea Papurane Langi Gita Apriwiliza Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Hanoraga, Tony Huzein Satrio Prasetyawan Ilham Nur Agustha Ilham Nur Agustha, Ilham Nur Ilmiawan Auwalin Imam Sopingi Indi Masita Lisdawami Indra Kharisma Raharjana Insani, Taqiyah Dinda Insani, Taqiyah Dinda Ira Erlinawati Ira Erlinawati, Ira Ishma Amelia Jihad Jihad Jihad, Jihad Khoirul Umam Kurniawan, Ainur Rofiq Kusnul Ciptanila Yuni K Kusuma, Aditya Machfud, Syafrina Mahmudah, Siti Nur Matsahri, Matsahri Md Atiqur Rahman Sarker Mirna Ainurrachma Moch. Ali Fudin Al Islami Moh Fudholi Moh. Fudholi Moh. Fudholi Mohammad Haidar Risyad Mohammad Haidar Risyad Muhamad Nafik Hadi Ryandono Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhammad Adlan Muhammad Ali Nuruddin Muhammad Sanusi Muhammad sanusi 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 Muslich Anshori Muslich Anshori Mutmainah Mutmainah Nadia Arisanti Nareswari Saputro Nareswari Saputro, Nareswari Nidya, Ardina Talitha Nikmatul Atiya Nila, Faridatun Nisa, Khairun Norma Rosyidah Norma Rosyidah, Norma Nova Rini Nova Rini Novalia Nastiti Novalia Nastiti, Novalia Novita Novita Nur Habiba Zain Nur Rachmat Arifin Nur Rachmat Arifin 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 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 Rosyidi, Luthfi Sadikin, Muhamat Ali Samsidar Widiarso Saptowati, Errin Dwi Setiyo Aji Shofal Iman Sinulingga, Rizky Amalia Siti Maisaroh Siti Maisaroh Siti Nur Azizaturrohmah Siti Nur Azizaturrohmah, Siti Nur Siti Nur Mahmudah Siti Zulaikha Siti Zulaikha Soleh, Mochamad Sri Hartini Sri Herianingrum Sri Ningsih Sulaeman Sulaeman Sunan Fanani, Sunan Sunarno Sunarno Taqiyah Dinda Insani Taufan Indrasasmita Tika Widiastuti Tjiptohadi Sawarjuwono Ubaidi, Ubaidi Utama, R Wahyu Agung Utama, R. Wahyu Agung Wahyu Wibisono Wahid Wisudanto Wisudanto Yanuar Dharma Putra Yossy Imam Candika Zaim Nur Afif Zaim Nur Afif, Zaim Nur Zainal Abidin Zakaria, Nor Balkish