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All Journal Jurnal Ilmu Komputer dan Informasi Jurnal Keteknikan Pertanian Jurnal KALAM Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) The International Journal of Accounting and Business Society IJTIHAD Islamic Ecomonics Journal Et-Tijarie: Jurnal Hukum dan Bisnis Syariah Kanz Philosophia: A Journal for Islamic Philosophy and Mysticism Teks: Jurnal Penelitian Bahasa, Sastra, dan Pengajarannya Jurnal Manajemen Pendidikan Tazkia Islamic Finance and Business Review Palapa: Jurnal Study Keislaman dan Ilmu Pendidikan Perisai : Islamic Banking and Finance Journal Risâlah, Jurnal Pendidikan dan Studi Islam qolamuna : Jurnal studi islam al-Afkar, Journal For Islamic Studies Jurnal Pengembangan Rekayasa dan Teknologi Journal of Islamic Economic Laws Indonesian Aquaculture Journal Martabe : Jurnal Pengabdian Kepada Masyarakat Jurnal ULTIMA Computing CENDEKIA: Jurnal Studi Keislaman JURNAL PENDIDIKAN TAMBUSAI Hearty : Jurnal Kesehatan Masyarakat IJID (International Journal on Informatics for Development) JIKE : Jurnal Ilmu Komunikasi Efek Shirkah: Journal of Economics and Business JABE (Journal of Applied Business and Economic) Jurnal al-Murabbi Istinbath: Jurnal Hukum dan Ekonomi Islam TSAQAFAH PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Iqtishoduna: Jurnal Ekonomi Islam International Journal of Islamic Business and Economics (IJIBEC) Perada: Jurnal Studi Islam Kawasan Melayu SPIRIT JURNAL PUSAKA : Media Kajian dan Pemikiran Islam INFOMATEK: Jurnal Informatika, Manajemen dan Teknologi Journal of Islamic Monetary Economics and Finance Agroekoteknologi Tropika Lembab Jurnal Pendidikan dan Konseling EDUTEC : Journal of Education And Technology Jurnal Ilmiah Edunomika (JIE) Al-Misbah : Jurnal Islamic Studies Lisan An Nathiq : Jurnal Bahasa dan Pendidikan Bahasa Arab Ilmuna: Jurnal Studi Pendidikan Agama Islam Literatus Abdimasku : Jurnal Pengabdian Masyarakat AS-SABIQUN: Jurnal Pendidikan Islam Anak Usia Dini Community Development Journal: Jurnal Pengabdian Masyarakat Al-Mudarris : Jurnal Ilmiah Pendidikan Islam Historia Madania: Jurnal Ilmu Sejarah Jurnal Ilmiah Vastuwidya Jurnal Pengabdian kepada Masyarakat Nusantara KIDDO: Jurnal pendidikan Islam Anak Usia Dini AL IQTISHOD: Jurnal Pemikiran dan Penelitian Ekonomi Islam Santri: Journal of Pesantren and Fiqh Sosial Journal of Islamic Economics and Philanthropy Jurnal Manajemen dan Inovasi (MANOVA) Jurnal Ilmiah Wahana Pendidikan Kalbiscientia Jurnal Sains dan Teknologi Sinar Sang Surya: Jurnal Pusat Pengabdian kepada Masyarakat Iqtishaduna : Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syariah Tafkir: Interdisciplinary Journal of Islamic Education Ascarya: Journal of Islamic Science, Culture and Social Studies Pendagogia: Jurnal Pendidikan Dasar JPMP (Jurnal Pendidikan MIPA Pancasakti) Jurnal Abdimas Sang Buana Nabawi: Journal of Hadith Studies Jurnal Pengabdian kepada Masyarakat Bina Darma TARBAWY: Indonesian Journal of Islamic Education Al-Muamalat : Jurnal Ekonomi Syariah Jurnal Ekonomi dan Bisnis Islam (JEBI) Jurnal Ekonomika dan Bisnis Islam Society: Jurnal Pengabdian Masyarakat Jurnal Pengabdian kepada Masyarakat Desa (JPMD) JANITA Bureaucracy Journal : Indonesia Journal of Law and Social-Political Governance Didaktika Religia Islamiconomic: Jurnal Ekonomi Islam Ijtimā`iyya: Journal of Muslim Society Research Journal International Inspire Education Technology (JIIET) Journal of International Conference Proceedings Dharma: Jurnal Pengabdian Masyarakat YASIN: Jurnal Pendidikan dan Sosial Budaya Abdi Jurnal Publikasi Al-Istinbath: Jurnal Hukum Islam Jurnal Ilmiah MEA (Manajemen, Ekonomi, dan Akuntansi) Promis Dharma Pengabdian Perguruan Tinggi (DEPATI) Jurnal Indonesia Sosial Sains Jikom: Jurnal Informatika dan Komputer Jurnal Pengabdian Pada Masyarakat Innovative: Journal Of Social Science Research HIKMATUNA: Journal for Integrative Islamic Studies Jurnal Kajian dan Penelitian Umum Journal of Educational Management Research EL Islam Journal of Mandalika Literature Gudang Jurnal Multidisiplin Ilmu IHSAN : Jurnal Pendidikan Islam Journal for Quality in Public Health Software Development Digital Business Intelligence and Computer Engineering An Nafah: Jurnal Pengabdian Masyarakat Abdimas Terapan: Jurnal Pengabdian Kepada Masyarakat Terapan Jurnal Ilmiah Ekonomi dan Manajemen Jurnal Sains Student Research Proceedings of Femfest International Conference on Economics, Management, and Business Hikmatuna Jurnal Pengabdian Kepada Masyarakat Bangun Cipta, Rasa, & Karsa (Jurnal PKM BATASA) Al Iqtishod: Jurnal Pemikiran dan Penelitian Ekonomi Islam Al-Zayn: Jurnal Ilmu Sosial & Hukum QOSIM: Jurnal Pendidikan, Sosial & Humaniora Jurnal Informatika Polinema (JIP) JURNAL ILMIAH PENELITIAN MAHASISWA Jurnal Budi Pekerti Agama Islam Al Adawat : Jurnal Pendidikan Madrasah Ibtidaiyah Indonesian Journal of Education and Social Studies Mitsaqan Ghalizan Millatuna: Jurnal Studi Islam Jurnal Politique Jurnal Intelek Dan Cendikiawan Nusantara Journal Of Public Policy (Social Politics) Sciences (Polisci) Jurnal Ilmiah Nusantara Muria Jurnal Agroteknologi Afkarina : Jurnal Pendidikan Agama Islam Jurnal Pendidikan Seni dan Industri Kreatif Proceeding Of International Conference On Education, Society And Humanity Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Proceedings of Femfest International Conference on Economics, Management, and Business International Journal of Islamic Business and Economics (IJIBEC) QAZI : Journal of Islamic Studies MUDARRISA: Jurnal Kajian Pendidikan Islam International Conference on Islamic Studies JURNAL PUSAKA: Media Kajian dan Pemikiran Islam Menulis: Jurnal Penelitian Nusantara Jurnal Penelitian Pendidikan Aksi Kita: Jurnal Pengabdian Kepada Masyarakat Cognitive Jurnal Cakrawala Akademika Bulletin of Scientific Research in English Education Journal of Islamic Economic Laws AL TADIB : Jurnal Ilmu Pendidikan Jurnal Studi Pendidikan Dasar Reflektika ABDISUCI: Jurnal Pengabdian dan Pemberdayaan Masyarakat conomics Learning Experience & Social Thinking Education Journal Jurnal Pengabdian Masyarakat (Z-COVIS) Jurnal Indovisi An Nafah: Jurnal Pengabdian Masyarakat JIEP : Journal of Islamic Education and Pesantren

Khoirul Umam

Universitas Darussalam Gontor

Author-ID : 464862

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Konsep Uang Islam: Antara Uang Komoditas atau Uang Fiat Khoirul Umam
Islamic Economics Journal Vol. 2 No. 1 (2016)
Publisher : University of Darussalam Gontor

Recent monetary crises have brought back the interest of scholars especially Muslim scholars to re-evaluate the current fiat monetary system. A group of Muslim economists believe that the source of problems is a form of fiat money. However, a larger group of Muslim economists prefer to set fiat money according to the rules of Sharia. This paper attempts to discuss the opinion of these two groups, so then offers the concept of money in Islam. The first group argue that the fiat money creates a seigniorage which is the cause of inflation, inequity of wealth distribution and monetary and financial crisis. Fiat money is also the soul of banking fractional reserve system which leads to the problem of inflation, business cycles and injustice distribution of wealth. Lastly, fiat money sytem with interest result in an inflationary economy. Besides these three, there is a belief that the money according to Islam must be commodity money. The second group counter that the strict rules for monetary management is proved to minimize the use of seigniorage so that inflation can be controlled. In fact, the fiat money and fractional reserve system support economic expansion so that the community can enjoy the economic growth. Furthermore, the business cycle is not just happening on a fiat money system but also a part of the commodity money system. Indeed, money in Islam must be a commodity is not agreed by the majority of fiqh scholars. However, in the context of international currency, the issue of injustice and the causes of the crisis becomes challenging issue. The first group propose to change international currency to commodity money, while the second group offers a monetary union as in the case of Europe. Finally, the concept of money is not about the form of money, but rather whether the money can be a just medium of exchange and measure of value for the goods and services.

Analisi Strategi Pengembangan Pasar Tradisional Dalam Perspektif Ekonomi Islam (Studi Kasus Pasar Songgolangit Kabupaten Ponorogo) Royyan Ramdhani Djayusman; Ahmad Lukman Nugraha; Khoirul Umam
Islamic Economics Journal Vol. 4 No. 2 (2018)
Publisher : University of Darussalam Gontor

This study aims to analyze traditional market development strategies by local governments from an Islamic economic perspective. This study used a qualitative method with a SWOT analysis. Qualitative methods are used to analyze the role of traditional market development from the perspective of Islamic Economics. Furthermore, the formulation of the strategy uses a SWOT analysis to obtain the development strategies in traditional market. The results of this study are; Firstly, the fluctuation of the total traders must be followed by the additional infrastructure. Secondly, the development strategy of the business in Songgolangit market can be done through two aspects; material and non-material aspects. The material aspect includes developing business capital. Non-material aspects include the development of business literacy and entrepreneurship. Thirdly, the role of local government in controlling and managing traditional markets is very important in issuing a local regulation (PERDA) for regulating the position, distance and operational time of street vendors (PKL), traditional markets and modern markets. Fourthly, the strategy of developing traditional markets through modernization of infrastructure and marketing utilizing technological progress.

An Empirical Study On The Influence Of Islamic Values On Money Demand (Case Study: University of Darussalam, Gontor and Mantingan Campus) Muhammad Fahmi Jauharuddin Rimas Sude; Khoirul Umam
Islamic Economics Journal Vol. 4 No. 2 (2018)
Publisher : University of Darussalam Gontor

Chapra thought about money demand contains Islamic Values. The research on Chapra’s money demand has been done by some researchers such as Ebrinda and Sri Wahyuni, both researchers are in macro level, and the results of Ebrinda’s research is that social values have not significant effect on Islamic money demand in Indonesia and limit her research on social values, while the results of Sri Wahyuni’s research is that social values have not significant effect on money demand in the short term and significant effect in the long term. From here the researcher try to examine the effect of Islamic values on money demand in micro level at University of Darussalam Gontor, in addition to the pesantren system also has high Islamic values. The purpose of this study is to determine the effect of Islamic values on money demand from micro perspective. This research is quantitative research. In data collection, the researcher uses a questionnaire method. The data is analyzed by multiple linear regression method. The method is used to predict the value of a dependent variable based on the values of two or more variables. The results of research is that Islamic values have not significant effect on money demand. It’s proven by significance level which is still more than 0.05. The significance level of needs is 0.4, social values is 0.7, wasteful spending is 0.3 and savings is 0.3. While the variables that have significant effect are income with significance level 0.00, investment 0.00, and presupposition investment 0.04.

Women's Empowerment From An Islamic Perspective (Analytical Study) Khoirul Umam; Muhammad Agus Waskito
Islamic Economics Journal Vol. 8 No. 2 (2022)
Publisher : University of Darussalam Gontor

Women's empowerment, which refers to feminist thinking, is a process of awareness and capacity towards greater participation to produce equality of degrees between women and men. It is because women are considered helpless. The economic factors that characterize women's empowerment make it partial and ignore the role of women in other aspects. In Islam, women's empowerment is holistic and multidimensional and covers religious, social, political, and economic aspects. Based on this, this study aims to describe women's empowerment in Islamic perspective and economic empowerment under women's empowerment in Islam. This research is literature research with a qualitive approach. In terms of analytical methods, this study uses critical analysis methods with data collection techniques through a literature review that examines women's empowerment from an Islamic perspective and its economic empowerment. The first research results show that the model of women's empowerment in Islam is a holistic preparation of empowered women that includes four religious, social, political, and economic dimensions. It means that the empowered woman in the Islamic perspective carries out her role with full awareness, including all aspects of her role, in the aspects of creation, character, and roles in the family and society, as well as the sufficiency of fardhu 'ain science as a guide to life. Second, women's economic empowerment in the women's empowerment in Islamic perspective is an effort to make women able to maintain, manage, use property, and develop the property for the benefit of themselves, their families and society in order to realize their optimal role.

Could Pan-Islamism Be a Politically Economic Solution in Indonesia? Syamsuri Syamsuri; Husnul Khotimah; Khoirul Umam
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 13, No 2 (2022)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v13i2.407

The economy in Indonesia is currently not doing well. This can be seen from indonesia's economic growth data which is minus to 5.32 percent, which causes the Indonesian economy to become fragile and requires us to continue to think about how to stabilize the economy again. So a strong analysis and an intelligent way of thinking are needed in overcoming this problem. This study aims to offer a concept from one of the Islamic authorities, namely Jamaluddin Al-Afghani, with his Islamic reform, namely Pan-Islamism in overcoming political economic problems that occur in Indonesia. By using descriptive analytical methods and qualitative approaches that contradicthis thinking, namely Pan-Islamism with several other Islamic scientists' thoughts and coupled with using data from previous studies. Finally, this article presents the concept of political economy which is believed to be able to create a better Indonesian economy. Some of the principles emphasized are the need for the Islamic world to unite together against foreign forces in the crucible of Pan Islamism, because the source of weakness of the Islamic world is the weak solidarity of Muslims. Then Muslims must unite both in political and economic terms, the Leader of the State must spread his call and ideas about reform and renewal in all aspects of life, whether political, economic, social and cultural, are comprehensive for all Muslims around the world where Individuals help each other. So that it can be applied to achieve the political renewal of human economy in this era.

PEMANFAATAN SISTEM INFORMASI STATUS GIZI ANAK UNTUK PENDETEKSIAN KASUS STUNTING DI PUSKESMAS KABAT KABUPATEN BANYUWANGI Lukman Hakim; Khoirul Umam; Agus Priyo Utomo; Rahmwati Raharjo
Dharma Pengabdian Perguruan Tinggi (DEPATI) Vol 3 No 1 (2023): Mei 2023
Publisher : Fakultas Teknik, Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/depati.v3i1.3524

Indonesia termasuk dalam negara ketiga dengan prevalensi tertinggi di Asia Tenggara. Salah satu yang masih menjadi kendala dalam pencegahan stunting adalah lambatnya pemantauan tumbuh kembang anak, terutama di wilayah pedesaan. Proses pencatatan pertumbuhan balita di Posyandu membutuhkan waktu yang lama karena masih bersifat manual. Pengetahuan masyarakat tentang cara pencegahan Stunting pada balita masih minim. Selain itu, masyarakat kurang proaktif dalam melaporkan kasus stunting.Proses pendeteksian kasus Stunting hanya berdasar pengukuran di Posyandu, belum ada kesadaran warga yang ingin melaporkan kasus Stunting. Untuk mengatasi masalah diatas, perlu dibangun sebuah sistem informasi untuk mencatat pertumbuhan balita dan secara otomatis menentukan status gizi balita. Sistem informasi ini dapat diakses oleh orang tua, operator Puskesmas atau pihak lain yang berkepentingan.Data yang tersimpan di sistem infromasi tersebut dapat diekspor ke sistem e-PPGBM Kementerian Kesehatan, sehingga operator tidak lagi harus memasukkan data secara manual ke e-PPGBM. Untuk memudahkan bidan,pengukuran berat dan tinggi badan balita menggunakan perangkat IoT, sehingga bidan tidak perlu menulis manual. Proses entri data dari pengukuran oleh bidan ke aplikasi dapat dilakukan tanpa sinyal internet, proses sinkronisasi nantinya dapat dilakukan ketika bidan sudah berada di tempat yang terjangkau sinyal internet. Selain itu, perlu dilakukan penyuluhan kepada warga tentang bahaya Stunting dan cara pencegahannya.

MODELLING SUKUK WAQF FOR PESANTREN ECONOMIC DEVELOPMENT Nadiah Sabrina Himam; Khoirul Umam
Journal of Islamic Economics and Philanthropy Vol. 1 No. 1 (2018): August
Publisher : Universitas Darussalam Gontor

Menurut catatan Kementrian Agama tahun 2016, luas tanah wakaf di Indonesia mencapai 49.444,01 ha.Dari sekian banyak aset wakaf yang ada, hanya sebagian saja yang diolah secara produktif. Kekurangan dana merupakan penyebab yang paling umum ditemui, oleh karena itu dibutuhkan sebuah instrumen untuk pengumpulan dana guna mengembangkan asset wakaf. Sukuk merupakan sebuah instrumen ekonomi yang berdasarkan pada pengumpulan dana dari investor. Untuk itu integrasi sukuk dan wakaf akan menjadi instrument pembiayaan yang efektif. Pesantren sebagai salah satu pioneer pendidikan Islam di Indonesia telah lama menggunakan wakaf sebagai salah satu dasar pembangunannya dan juga tonggak ekonominya, sayangnya banyak dari asset wakaf yang dimiliki pesantren belum dimanfaatkan secara produktif dikarenakan kekurangan dana pengembangan. Di Indonesia, sukuk wakaf masih sangat riskan diaplikasikan. Untuk itu penulis ingin menyusun model sukuk wakaf yang mungkin diaplikasikan di pesantren dengan tidak mengabaikan prinsip-prinsip ekonomi pesantren dan tidak melanggar regulasi yang ada. Penelitian dan penyusunan model ini akan menggunakan metode Analytic Network Process (ANP). Metode ini ditujukan untuk membentuk suatu model sekaligus memutuskan model mana yang mungkin dapat diterapkan dalam pembangunan ekonomi pesantren. Selain itu, penulis juga akan melakukan penelitian secara literature untuk membangun suatu teori yang kuat dalam pembangunan dan pencarian masalah model-model sukuk wakaf. Dari penelitian ini ditemukan kesepakatan dari para responden ada pada taraf yang rendah dalam pemilihan model. Namun begitu, tetap terdapat salah satu model yang unggul dibanding dengan model lainnya meskipun berbeda tipis. Menurut responden, sukuk wakaf yang paling mungkin diaplikasikan adalah sukuk wakaf melalui pemerintah.

AN EMPIRICAL STUDY ON THE INFLUENCE OF ISLAMIC VALUES ON MONEY DEMAND (Case Study: University of Darussalam, Gontor and Mantingan Campus) Muhammad Fahmi Jauharuddin Rimas Sude; Khoirul Umam
Journal of Islamic Economics and Philanthropy Vol. 1 No. 2 (2018): November
Publisher : Universitas Darussalam Gontor

Pemikiran Chapra mengenai permintaan uang mengandung nilai-nilai Islam. Penelitian mengenai nilai sosial telah dibahas oleh beberapa peneliti seperti Ebrinda dan Sri Wahyuni, akan tetapi kedua penelitian tersebut masih dalam berbentuk makro, dan hasil yang diperoleh dalam penelitian Ebrinda belum menujukan pengaruh yang signifikan terhadap permintaan uang Islam di Indonesia dan terbatas pada nilai-nilai sosial, sedangkan hasil penelitian Sri Wahyuni belum menunjukan pengaruh yang signifikan dalam jangka pendek dan signifikan dalam jangka Panjang. Dari sini peneliti mencoba untuk meneliti secara mikro pengaruh nilai-nilai Islam terhadap permintaan uang di Universitas Darussalam Gontor, selain dengan sistem pesantrennya juga memiliki nilai-nilai Islam yang tinggi. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh nilai-nilai Islam terhadap permintaan uang secara mikro. Jenis penelitian ini adalah penelitian kuantitatif. Untuk mengumpulkan data, penulis menggunakan metode angket. Kemudian data-data tersebut dianalisa dengan metode regresi linier berganda. Hasil penelitian ini menunjukan bahwa nilai-nilai Islam belum berpengaruh terhadap permintaan uang. Hal ini terbukti dengan nilai signifikansi masih diatas 0,05. Nilai signifikansi kebutuhan pokok sebesar 0,4, nilai sosial 0,7, perilaku berlebihan 0,3 dan tabungan 0,3. Sedangkan variabel yang berpengaruh diantaranya adalah pendapatan dengan nilai signifikansi 0,00, investasi 0,00 dan rencana investasi 0,04.

DETERMINANT PROFITABILITY OF SHARIA BANK BASED ON MACROECONOMIC VARIABLES Farhan Aldi Khunaifi; Khoirul Umam
Journal of Islamic Economics and Philanthropy Vol. 1 No. 3 (2019): February
Publisher : Universitas Darussalam Gontor

Dalam sistem perbankan ganda, bank syariah harus kompetitif. Salah satu kunci untuk bertahan dalam ekonomi global ini adalah profitabilitas. Tujuan dari penelitian ini adalah untuk mengetahui pengaruh variabel makroekonomi terhadap profitabilitas bank syariah di Indonesia dan untuk mengetahui jumlah banyaknya kontribusi yang diberikan variabel makroekonomi terhadap profitabilitas bank syariah di Indonesia. Data yang digunakan merupakan data sekunder bulanan bank umum syariah di Indonesia yang diambil dari periode Januari 2012 sampai dengan Desember 2017 serta data variabel makroekonomi seperti inflasi, nilai tukar, jumlah uang beredar, dan suku bunga yang dikutip dari beberapa sumber. Jenis penelitian ini merupakan penelitian kuantitatif yaitu pendekatan non-struktural yang menggambarkan hubungan saling ketergantungan antar variabel time series sehingga metode yang digunakan yaitu metode Vector Autoregression (VAR) dan Vector Error Correction Model (VECM). Hasil dari penelitian menunjukkan bahwa nilai tukar, jumlah uang beredar, dan inflasi mempengaruhi ROA. Sedangkan suku bunga tidak mempengaruhi ROA. Penelitian ini juga menunjukkan suku bunga, jumlah uang beredar dan inflasi mempengaruhi ROE. Masing-masing variabel makroekonomi memberikan kontribusi untuk mempengaruhi ROA sebesar jumlah uang beredar 9.15%, inflasi 1.94%, suku bunga 0.84%, 0.81%. Sedangkan variabel makroekonomi memberikan kontribusi untuk mempengaruhi ROE sebesar suku bunga 1.49%, jumlah uang beredar 1.12%, nilai tukar 0.78%, inflasi 0.04%. Secara keseluruhan, variabel makroekonomi tersebut hanya memiliki kontribusi yang sangat kecil terhadap profitabilitias ROE bank syariah di Indonesia

SOURCE OF PROCYCLICALITY IN DUAL BANKING SYSTEM: THE CASE OF INDONESIA Naahilah Hunafaa’ Al-Qudsy; Khoirul Umam
Journal of Islamic Economics and Philanthropy Vol. 2 No. 4 (2020): May
Publisher : Universitas Darussalam Gontor

The global crisis in 2008 is driven by the credit bubble until leaves the impact of economy and financial sector in many countries, including Indonesia. The behaviour of banks in excessive lending is referred to procyclicality. If loans are not balanced with the needs of the economy, it will lead to imbalances in economic growth that could lead to a financial crisis. Theoretically, Islamic banking does not cause credit bubble because it is more allocate the financing to the real sector of economy. The purposes of this research are to know whether the level of procyclicality of conventional and Islamic banking in Indonesia, and to know the determinant of procyclicality of conventional and Islamic banking in Indonesia. The researcher uses a quantitative approach. This study uses time series data, which begin monthly from the year 2013M01 - 2017M12. The data is taken from the Economic and Financial Statistics Indonesia (SEKI-Bank Indonesia), the Central Statistics Agency (BPS), and the Financial Services Authority (OJK). The method of analyzing data is Vector Auto-regression (VAR) and Vector Error Correction Model (VECM). The results of this study indicate that conventional banking behave on procyclicality. On the contrary, Islamic banking does not behave procyclicality. The determinant of procyclicality on conventional banking in short-term is the Total Credit (CRE), and also in long term is the Total Credit (CRE). Then the determinant of procyclicality on Islamic banking in short-term is the Total Financing (FIN), while in long term is the Sharia of Bank Indonesia Certificates (SBIS).

Co-Authors 'Abidah, Arum Nur Abdul Ghafar Ismail Abdul Ghafar Ismail Abdul Ghofar Abdul Ghofur Abdul Jafar Abdullah Chamber Abdurrahman , Hujjatul Islam Musthafa Abidin, Muhammad Abidin, Muhammad Zaenal Abriel Ainani Musyafa Absa, Rafif Yuliza Achadi, Muh. Wasith Achmad Jalaludin Achmad Michael Adi Putra Achmad Noerkhaerin Putra ACHMAD RIFAI Achmad Tohirin Adamu Abubakar Muhammad Adi Gunawan, Adi Adryan Risady Afidatur Rizqiyah Afifah Ahmad, Rusyda Afife Rahma Ahsanti Aghnia Dian Lestari Agus Zainal Arifin Ahdiat Mujadi Ahmad Afgani Ahmad Farial Wahib H Ahmad Fauzi Ahmad Ghufron Ahmad Havid Jakiyudin Ahmad Khubby Ali Rohmad Ahmad Lukman Nugraha Ahmad Ta'rifin Ahmad, Rusyda Afifah Akhmad Affandi Mahfudz Akhmad Affandi Mahfudz Al Faqih, Muhammad Fahmi Al Hadad, Muhammad Haqi Al Hammaam, Hudzaif Al Maskuri, M. Mava Saputra Alawi, Moh. Albarokah, Ahmad Alfayed, Dody Alfi Khilmi Khusnia Alfian Fatahillah, Izet Alfiansyah Topandi Harahap Ali Trigiyatno Aliyah Aqsowiyah Amilia Yuni Damayanti Andi Eko Wiyono, Andi Eko Andika Adinanda Siswoyo ANFAUL UMAM, HABLIY BRILLIAN Anggi Hadi Pratama Anissa, Kholifah ANSHORI, SHOLIHUL Aqila, Hafizh Ardhani, Yana Areta Widya Kusumadewi Ariansyah Arief Maulana Arief Rahmawan Arif, Suyoto Arifudin, Galang Ariga Bahrodin Ariga Bahrodin Arini, Aida Aris Kusnadi, Aris Aruni Mafaza, Syofi Asep Maulana, Asep Asriana Kibtiyah Asriana kibtiyah Asy’ari, Muhammad Atari Diance Atho'illah, Yunan Atika Rukminastiti Masrifah Atmojo, Ahmad Muslih Aulia, M. Rezza Nuril Auliyaaurohmah, Auliyaaurohmah Aullia, Mochammad Rizqi Ayu Puspitasari, Ayu Azis, Muhammad Gymnastiar Azizah Nur Sabrina Azza Nurul Ainiyah Baehaqi Bambang Setyo Utomo Bilqisa, Yayang Catur Rohman Kusmayadi, Rudy Chindy Chintya Cahya Chindy Chintya Cahya Choir, Muhammad Iqbal Chusnudhin, Rehan Muchammad Fadli D, Sri Sukmana Deby Ardiansyah Dedy Ansari Harahap Delta Alkia Dery Ariswanto Devid Frastiawan Amir Sup Devit Suwardiyanto Dewi, Rifkah Dhika Amalia Kurniawan Dhila Wulandari, Vindha Dhini Novely Saputri Dhiyarifki Muhtaromi Diana Purwitasari Didik Prayogi Dimyati Ayatullah Dinamella Wahjuningrum Dini Mey Bella Dita Amanah Ditya Cahyanti, Lutfi Ditya Cahyanti, Lutfy Dwi Setianingsih Edi Saputra Efendi, Kacung Ega Praditya Tama Putra Egi Satria Eko Nur Cahyo Eko Wiyono, Andi Eldrick Rifaldo Endi Sailul Haq Endin Mujahidin Eti Hadiati Evie, Salma Excel Abu Ramadhan Fadia, Silmi Fadilatur Rohmah, Leni Fadilla, Witri Nur Fadillah, Muhammad Daffa Fahmy Zarkasyi, Hamid Faiz Izzatullah Fajri, Mohammad Zen Nasrudin Farhan Aldi Khunaifi Farizqi Panduardi Faruk Alfiyan Fatahna Fathan Mubina Fathurrohman, Robby Fatwa Sari Tetra Dewi Faudzi, Azwar Fauzi, Daniel Rian Fauzia, Viramashita Ellena Febriana, Irma Dwi Febrianti Setya N, Adelina Fery Nur Hidayat Fika Khabibati Fitriana, Ani Qotuz Zuhro’ Fitriana, Defi Fuad Mas’ud Fuad Mas’ud Galang Dani Prasetyo Galtar, Diana Ghafuro, Achmad Hamdan Gulpi Qorik Oktagalu Pratamasunu Hadi Supriyo Hafas, Imam Hakim, Muhamad Arief Al Hamid Fahmy Zarkasyi Handaru, Wuri Cahya Hanifuddin Haris Danial Harjito - harris, jaudat iqbal Hartomi Maulana Hartono, Zhidan Fahrus Yas Hartoyo Hartoyo Hasan, Moch. Sya'roni Hasbi, Noval Hayamansyah, Didi Helena Sitorus, Helena Hermawati, Ratna Herwis Gultom Heryanti, Febrina Hesti Maharani Dwi Rahayu Hidayat, Alfin Hidayat, Hasannudin Hidayat, Muhammad Sofian Hikmatullah Hujjatul Islam Musthafa Abdurrahman Humaidi, Achmad Husna Laela Husna Mauidhoh Husni, Indra Sholeh Husnul Khotimah Ibnu Yaqzan Qurany Idawati, Khoirotul Ikhsan Gunadi Ilahiyah, Iva Imam Kamaluddin Imron Arifin Imron Mawardi Indira Maharani Hidayat Indira Nuansa Ratri Indriyani , Maulida Insiyah, Qorinatul Irawan Supriyadi Irzal Effendi Isa, Annas Muhammad Isma Aulia Roslan Isnaini, Fikri Latifatul Isputri1, Anis Isti Muchlisianah Izzatullah, Faiz Izzuddien Setiaji Jafar Shodiq Jafar, Abdul Jaka Oktavian Jaka Sriyana Jakiyudin, Ahmad Havid Janan, Mumtaz Jinanul Jasminto Jawo, Muhammed Jumail, Jumail Jumari Jumari Jumari, Jumari Kamil, Jubron Muflih kandi Kartika Sulistioningrum Katmini Khamid , Abdul Khoirotun Nisa Kholifatul Putri, Siti Nur Kumala, Akhsinatul Kurniawan, Wakhid Kusuma Putri, Tiara Dwi Kusuma, Sidiq Tri Labibah Dian Umami Labieb, Faaza Lailatur Rohmah Lambang Probo Sumirat, Lambang Probo Larasati, Wahyu Kartika Lathiif Chandra Septian Leon Andretti Abdillah Lila Prisilia Putri Linda Ika Mayasari, Linda Ika Lita, Lita Lucky Adha Febrian Lukman Hakim Lukman Hakim Lutfi Hakim Lutfi Hakim M. Khoiru Rusydi M. Mava Saputra Al Maskuri M. Ridlwan Hambali M. Septian Bisyarof Machfud Sidik, Machfud Machfud, Syafrina Maesa, Sulton Maharani Hidayat, Indira Maharani, Cevira Dewi Maisaroh Aribah, Shafira Mardhi Utami, Nur’aini Maritta Dewi Arista Marlina, yuli Marlina, Yuli Marsa Suci Nurmalasari Masduki Ahmad Masturi Masum, Hadiansyah Maya Komariah Meitria Cahyani Miftahul Huda Moch Imron Isro'i Moch Imron Isro'i Moh. Sidik Priadana Mohamad Dimyati Ayatullah Mohamad Solahudin Mohammad Ali Ramadhan Mohammad Aliyan Ashadi Mohammad Solihin Muchammad Taufiq Affandi Mufti Afif Muhammad Agus Waskito Muhammad Fahmi Jauharuddin Rimas Sude Muhammad Fahmi Jauharuddin Rimas Sude Muhammad Faisal Riza Muhammad Hadi Wijaya Munir Muhammad Haidar Muhammad Halimul Umam Muhammad Imam Mahdi Z Muhammad Iqbal Choir Muhammad Mahdi, Muhammad Muhammad, Adamu Abu Bakar Muji Gunarto Mujiyah, Nurul Mulyono Jamal Munir, Muhammad Hadi Wijaya Muzaki, Rofi Naahilah Hunafaa' Al-Qudsy Naahilah Hunafaa’ Al-Qudsy Nabila Roghba Sa’adati Nadhiva, Vikry Nadiah Sabrina Himam Nadiv Ahmad Nafi'ah, Rahmawati Nafi’a, Insania Najul Ghalib Nanda Nanda Naufal Azmi Ramadhan Nayla, Nayla Nazua Lidiyani Ngasbun Egar Nina Fitria Nova Haryanti Nuansa Ratri, Indira Nugroho, Didin Dwi Nur Faizah Nur Fauziah Ramadhani Nur Hidayat Nur Ihsan nur khanan, muhammad nur khanan Nur Sodik, Nur Nur, Marrotin Nurbaya Ambo, Sitti Nurfattah, Arizqiya Nuril Faizza, Dian Fitria Nuril Rohmawati Nurmalasari Mulia Putri Nurul Setianingrum Nurvalentini, Dewi Nurvelly Rosanti, Nurvelly Nur’aini Mardhi Utami Oktavianos, Vandeber Palupi, Tri Nathalia Pangestu, Prasetyo Aji Pitasari, Inti Pradana, Moh. Iqbal Arif Praja, Dewangga Wahyu Pramudita, Shinta Prasetyo, Junaedi Adi Prastyo, Danang Pratama, Bagus Galang Pratama, Fadhil Irvan Pujowati, Penny Purnama, Zulfah Rizka Purwanto Purwanto Puspaningrum, Mita Putra, Riyan Arya Putri Jesica, Sekar Ananta Putri, Andini Nabela Putri, Lila Prisilia Putri, Meilisa Septiyani Putri, Safira Tsani Amelya Putridiyanti, Fita R Hendra Winarsa Radhiyatun Nisak Raharjo, Rahmawati Rahayu, Titis Esti Rahmalinda, Rahmalinda Rahmani, Nabilla Rahmat Sagara Rahmawati Gunawan, Alfiana Rahmwati Raharjo Raihan, Muhammaf Rakhmad Agung Hidayatullah Rakhmad Agung Hidayatullah Ramadaniyanti, Dewi Putri Ramadhan, Excel Abu Ramadhan, Mohammad Ali Ramadhan, Naufal Azmi Ramadhani Putra, Ivan Ramadhani, Nur Rambe, Warhi Pandapotan Ratih Winarsih Ratnasari, Avina Dwi Ridlwan, Burhanuddin Rindayani, Ririn Rini Puji Astuti Rini, Eka Mistiko Rio Adriana Risti Agasi, Viola Rivai Syukur Ramadhan Robby Fathurrohman Rochimah, Heni Rochma Aulia Supandi Rodliyatuz Zahroh Rofiq, Wulida Rohmawati, Nuril Rokhani Hasbullah Rosidah Rosidah Roslan, Isma Aulia Royyan Ramdhani Djayusman Rozaqi, Muhammad Lutfi RR. Ella Evrita Hestiandari Rugaiyah Ruth Ema Febrita Sakdi, Sakdi Sandiko Yudho Anggoro Saputra, Handika Sari, Dila Puspita Savier Nayaka Gunawardana Septiana, Dimas Setiaji, Izzuddien Setiawan Bin Lahuri Setiawan, Adib Rifqi Setiawan, Johan Shavika Miranti Shinta Pramudita Silva Fauziyah Nadawi Siregar, Denny Siti Khumayah Siti Nur Azizah, Siti Nur Siti Rofiah Siwi Hanayanti, Citra Sri Murwanti St. Maryam, St. Suardinata, I Wayan Subiyantoro, Heru Suci Nurmalasari, Marsa Sukmawati, Yogi Sulaeman, Maryam Sulaeman, Maryam Sulaiman, Alfarobi Ahmad Suminto, Ahmad Suntia , Putri Della Suparti, Tety Supratno, Haris Suprianik Supriyanto Praptodiyono Susylowati, Susylowati Suwardiyanto, Devit Suyoto Arief Syah, Aditya Lukman Syah, Maulana Fuadi Syahrinda, Zakiki Syamsuddin Syamsuri SYAMSURI Syamsuri Syamsuri Syifa Urrosyidin, Mohammad Syofi Aruni Mafaza Tamam, Abas Mansur Tamara Putri, Cynthia Taufiq Abdullah, Taufiq Tegas Bijaksana Tiara Dwi Kusuma Putri Tika Puspita Oktavianingrum Timur, Fauzia Gustarina Cempaka Tohirin, Achmad Ulfa Sholihannisa, Lulu Ulil Amri Syafri Ummah, Aslikhatul Ummah, Nasihatul Ummi Lailia Maghfiroh Urrosyidin, Mohammad Syifa Usman , Jamiludin Usman, Jamiludin Usmanul Khakim Utomo, Agus Priyo Veby Septya Margareta Veronica Krestiani, Veronica Victoria, Safinatunnajah Vika Rahmadhani, Yusriyyah Vina Fithriana Wibisono Vindha Dhila Wulandari Viola Risti Agasi Virgita, Nanda Wahida Salsabila Wahyono, Sapto Wahyuda, Aditya Muhammad Daekan Wasahua, Olos Wibowo, Galih Hendra Wika Saputri Wildan Hakim Wildan Hakim, Wildan Wincoko Putro, Fidi Wiriadi Sutrisno Wydyanto Yaqqin, Aynul Yodi Aswanto Yoghadimas Fernanda Yudi Astuti, Rahma Yulizar Djamaluddin Sanrego Yulizar Djamaluddin Sanrego, Yulizar Djamaluddin Yusriyyah Vika Rahmadhani Yusuf Ahmed Muaz Zahro’, Khurun’in Zanjabil, Fattaky Zuhdi, Achmad Zuhroh, Ainun Amalia Zulfa

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