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All Journal Jurnal Iqtisad Economic Journal of Emerging Markets Jurnal Keuangan dan Perbankan Kinerja JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Economy and Business Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Jurnal Ekonomi Syariah Teori dan Terapan Global Review of Islamic Economics and Business Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam Jurnal Ekonomi & Keuangan Islam Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business International Journal of Islamic Business and Economics (IJIBEC) EkBis: Jurnal Ekonomi dan Bisnis Share: Jurnal Ekonomi dan Keuangan Islam WELFARE Jurnal Ilmu Ekonomi Unisia Jurnal Keuangan dan Perbankan Mutanaqishah: Journal of Islamic Banking Journal of Islamic Economics Lariba Jurnal Kebijakan Ekonomi dan Keuangan Review of Islamic Social Finance and Entrepreneurship IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Jurnal Analisis Bisnis Ekonomi Muqtasid: Jurnal Ekonomi dan Perbankan Syariah
Agus Widarjono
Department Of Economics, Faculty Of Business And Economics, Universitas Islam Indonesia
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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Bank stability, Covid-19, and Islamic bank financing in Indonesia Agus Widarjono; Munrokhim Misanam
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8131

Abstract

The financial performance of Islamic banks is strongly influenced by the bank's ability to disburse their funds. The purpose of this study is to analyze the influence of Islamic bank fundamentals in influencing financing. Islamic bank fundamentals consist of stability, size, profitability, equity, efficiency, and financing risk. This study uses quarterly data to examine 13 Islamic commercial banks from 2014 to 2020. The method used is static panel data regression with unbalanced panel data of 334 observations. The results show that the Z-score, assets, ROA, and NPF have a positive effect on the financing of Islamic commercial banks. Meanwhile, the CAR and income cost ratio has a negative effect on the financing of Islamic commercial banks. Furthermore, the economic slowdown because of Covid-19 has reduced Islamic commercial bank financing. These findings indicate that profit, bank size, and stability are the main Islamic bank fundamentals that significantly influence the amount of Islamic bank financing.
Does qard financing fortify the trust of bank customers? Lessons from Islamic regional banks in Indonesia Widarjono, Agus; Hendri, Zul; Shuib, Mohd Sollehudin; Jaya, Yozar Putra
Review of Islamic Social Finance and Entrepreneurship Volume 5 Issue 1, 2026
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol5.iss1.art1

Abstract

Purpose – This study investigates the impact of Qard financing on customer trust in Islamic banks in Indonesia using a nonlinear approach.Methodology – We examine 123 Islamic regional banks (IRBs) from 2016 to 2023 using quarterly data. The estimation method is the dynamic panel regression method using the generalized methods of moments (GMM). The trust of IRBs’ customers is proxied by third-party funds (TPF).Findings – Moderate Qard financing strengthens customer confidence; however, as it exceeds the optimal level, the effect of Qard financing on TPF becomes negative. More importantly, the results indicate that the positive impact of Qard financing on customer confidence weakens as banks face high liquidity risk. Implications – First, Qard financing must be conducted in a measurable and optimal manner to avoid risk perceptions that are likely to weaken fund collections. Second, IRBs need to warrant that the expansion of Qard financing is balanced with prudent liquidity management. The Indonesian Financial Services Authority (OJK) likely includes Qard financing as one of the IRB performance indicators.Originality – Our study is a pioneer in investigating the role of social financing in customer trust using a non-linear approach.
Analysis of Rice Imports in Indonesia: AIDS approach Agus Widarjono
Journal of Economics, Business, and Accountancy Ventura Vol. 21 No. 2 (2018): August - November 2018
Publisher : Universitas Hayam Wuruk Perbanas

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v21i2.1212

Abstract

Rice is a staple food for Indonesian households. After achieving self-sufficiency of rice in 1984, Indonesia still had to import rice because the domestic rice consumption always exceeded the domestic rice production.  This study attempts to analyze a rice import during the 1998-2014 period. The rice import was analyzed based on the main partner of Indonesian rice imports encompassing of Vietnam, Thailand, USA, Other countries. This research applied the demand system method using Almost Ideal Demand System (AIDS). The results indicate that price elasticity of rice import from Vietnam and Thailand was inelastic while from other countries, they were elastic. Based on the expenditure elasticity of rice import, rice is the normal goods for rice import from Thailand and USA. The policy simulation shows that the increase in the price of rice import leads to the decrease of rice import.  However, rice import from certain countries such as Thailand still increase. Rice is the staple food, therefore, the government must set up policy to increase domestic rice production for reducing dependency on rice imports.
Determinant of sharia rural bank profitability: Do size and location matter? Agus Widarjono
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol. 15 No. 2 (2024): December 2024
Publisher : Faculty of Islamic Economics and Business, UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v15i2.139-154

Abstract

This research analyzes the influence of bank fundamentals, bank size, location, and macroeconomic variables on the profitability of Sharia Rural Banks (SRBs) in Indonesia. Our study investigates 90 banks located on the island of Java. The research period is 2018-2021, using quarterly data. The dynamic panel regression is employed with a GMM method. The findings indicate that strong bank fundamentals, as indicated by large assets, high CAR, and high efficiency, have a positive effect on profitability. There are two other interesting findings in this study. First, large SRBs encourage high profitability. Second, locations with high economic growth and high religiosity foster profitability. Some policy implications can be drawn from our findings. First, SRB must have sufficient capital and a high level of efficiency to increase profitability. Second, a large SRB is the best choice for an SRB to have sound financial performance. Third, SBRs must intensively introduce Sharia banking products to the public to increase their performance because religiosity is an important factor in determining profitability.
Co-Authors Akhsyim Afandi, Akhsyim Devi Utami Rika Safitri Dityawarman El Aiyubbi Dyah Widhowaty Eko Purnomo Putri Firna Hayyu Nindya Maritsa Fitrah, Jauharil Hapsari, Putri Nela Hendri, Zul Jaya, Yozar Putra Jusuf, Nurain M.Bekti Hendri Anto MB Hendrie Anto Mifrahi, Mustika Muhammad Akhyar Adnan Muhammad Muhammad Munrokhim Misanam Munrokhim Misanam, Munrokhim Nabilah Amir Nur Indah Hardianti Qonitat Az-Zahra Rahmat Rahmat Rudatin, Ari Sahabuddin Sidiq Sarastri Mumpuni Rucbha Septiana Indarwati Shuib, Mohd Sollehudin Shuib, Sollehudin Sidiq, Sahabudin Sidiq Sintarini, Fitriasari Sintia Dewi Nur Ajizah Wiranata, Bagas Zhafira Mardhiyah