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Sri Herianingrum

Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

Author-ID : 515114

Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Public Health Social Sciences Transportation Other

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Measuring the Efficiency of BAZNAS in Managing Zakat Funds with Stochastic Frontier Approach Analysis, 2002–2016 Risanda A.; Faishol Luthfi; Sri Herianingrum
International Journal of Zakat Vol 3 No 1 (2018)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

This study aims to measure the technical efficiency and identify factors that cause technical inefficiency of Badan Amil Zakat Nasional (BAZNAS) in managing zakat funds on receipt and the distribution of zakat funds. The data used were time series data from 2002 to2016. The input variables used were total assets and operational costs, while the output variables were the receipt of zakat funds and the distribution of zakat funds. Using stochastic frontier analysis, this study has successfully identified that total assets and operational costs had a positive and significant effect on the receipt of zakat funds. The same results also demonstrated that the operational costs for the distribution of zakat funds had a positive and significant effect. The results for total assets on distribution of zakat funds were positive but not significant. Overall, the technical efficiency regarding the receipt of BAZNAS zakat funds was found to be 94.98 percent, which means that there is 5.02 percent remaining that could still be optimized, while technical efficiency regarding the distribution of BAZNAS zakat funds was found to be 70.99 percent, leaving 29.01 percent that could still be optimized. Keywords: Badan Amil Zakat Nasional (BAZNAS), Stochastic Frontier Analysis, Technical Efficiency

Pelatihan Ekonomi dan Keuangan Syariah dalam Rangka Pembentukan Baitul Mal wat Tamwil Sri Herianingrum; Eko Fajar Cahyono; Lina Nugraha Rani; Sylva Alif Rusmita
Studi Kasus Inovasi Ekonomi Vol. 3 No. 01 (2019)
Publisher : Program Studi Manajemen, Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/skie.v3i01.6935

The background of this activity was to fulfill the aspirations of the Muslims of Bandar Kidul village, Mojoroto Subdistrict, Kediri City to carry out economic activities following Islamic rules and the potential capabilities and skills possessed by management and members of the Fascho cooperative to manage Islamic microfinance institutions such as Baitul Wat Tamwil . The purpose of this community service activity is to provide understanding, knowledge, and skills to the management and members of the Fascho cooperative who are engaged in Mojoroto Subdistrict, Kediri City about Islamic economics and Islamic Finance. The activity took place in May 2018, and the actions were in the form of workshop and socialization about Islamic economics and Islamic finance. The article is expected to be a provision for administrators and members to establish Baitulmal wat Tamwil. The results of the activities were in the form of increased awareness of the community around the location of the community service and the increased knowledge and skills of the members and administrators of the Fascho Cooperative so that they were better prepared to establish the BMT.

DETERMINAN PERTUMBUHAN EKONOMI NEGARA OKI Tamimah Tamimah; Sri Herianingrum; Nur Rachmat Arifin
Jurnal Iqtisaduna Vol 5 No 2 (2019)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v5i2.11117

Pertumbuhan ekonomi suatu negara menjadi tujuan awal dari pencapaian yang diharapkan oleh berbagai negara di dunia begitu juga dengan negara Organisasi Konferensi Islam (OKI). Terdapat berbagai indikator yang digunakan untuk melihat pertumbuhan ekonomi dan salah satunya adalah peningkatan Gross Domestic Produk. GDP merupakan total keseluruhan nilai produksi barang atapun jasa yang berada dalam suatu negara salama satu tahun. Penelitian ini bertujuan untuk melihat apa saja faktor-faktor yang mempengaruhi pertumbuhan ekonomi negara oki dengan ekspor, inflasi, dan nilai tukar sebagai variabel independen dan GDP sebagai variabel dependen. Metode yang digunakan dalam penelitian ini adalah Panel Vector Error Correction Model (PVECM) meliputi lima negara yakni Indonesia, Brunei Darussalam, Sudan, Bahrain, dan Malaysia selama kurun waktu 1985-2017. Hasil menunjukkna bahwa variabel ekspor, inflasi, dan nilai tukar memiliki pengaruh yang signifikan dalam jangka panjang maupun jangka pendek terhadap GDP. Variabel GDP lebih dominan memberikan kontribusi sebesar 90%, ekspor memberikan kontribusi 6.1%, inflasi memberikan kontribusi 2.8%, dan variabel nilai tukar dengan kontribusi sebesar 0.02%.

Pembinaan Integrasi Keuangan Sosial Syariah pada Lembaga Filantropi Islam Tika Widiastuti; Puji Sucia Sukmaningrum; Sri Ningsih; Imron Mawardi; Sri Herianingrum; Hanifiyah Yuliatul Hijriah; Muhammad Wicaksono Hasdyani Putra
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 6, No 3 (2022): Agustus
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v6i3.9912

Filantropi Islam di Indonesia memiliki tujuan yang relevan dengan Sustainable Development Goals (SDGs), yaitu kesejahteraan. Disamping itu, potensi penghimpunan dana filantropi Islam di Indonesia menjadi keuntungan tersendiri. Namun, lembaga filantropi Islam memiliki beberapa permasalahan diantaranya: permasalahan di bidang kelembagaan, teknologi, sumber daya manusia, regulasi dan tata kelola. Salah satu cara untuk mengatasi permasalahan tersebut adalah melakukan integrasi keuangan sosial syariah. Kegiatan pengabdian masyarakat ini bertujuan untuk memberikan pembinaan integrasi keuangan sosial syariah kepada lembaga filantropi Islam dan stakeholder terkait. Pembinaan dilakukan sebanyak dua kali. Kegiatan pertama dilakukan secara online kepada Lembaga filantropi Islam dengan memanfaatkan media zoom. Kegiatan pertama menghadirkan para pakar dari perwakilan regulator, praktisi dan akademisi untuk memberikan arahan dan catatan penting terkait dengan materi pembinaan yang diberikan. Pembinaan kedua secara hybrid kepada masyarakat Desa Tambakrigadung, Lamongan. Hasil program pengabdian menujukkan telah terbina sejumlah lembaga filantropi Islam dalam integrasi keuangan sosial syariah, salah satunya pada implementasi program yang memberi dampak langsung terhadap masyarakat yang membutuhkan.

Liquidity Risk Determinants on Islamic and Conventional Banks Before and During The Covid-19 Pandemic Baitul Hamdi; Sri Herianingrum
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 4 (2022): Juli-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20224pp573-585

ABSTRAK Tujuan penelitian ini dilakukan adalah untuk mengidentifikasi dan menganalisis determinan risiko likuiditas pada bank syariah dan konvensional yang beroperasi di Indonesia sebelum dan selama pandemi COVID-19. Penelitian ini adalah penelitian kuantitatif dengan menggunakan data panel untuk mengkaji hubungan antara risiko likuiditas dengan faktor spesifik bank dan faktor makroekonomi sebelum dan selama pandemi COVID-19 (2018-2021). Dengan mengambil sampel dari 10 bank syariah dan 20 bank konvensional yang ada di Indonesia, penelitian ini menemukan bahwa faktor spesifik bank yaitu Capital Adequacy ratio (CAR), Return on Equity (ROE), dan Non Performing Loan (NPL) atau risiko kredit memiliki pengaruh pada likuiditas bank syariah. Sementara CAR dan NPL tidak memberikan pengaruh pada likuiditas bank konvensional hanya ROE yang memiliki pengaruh pada risiko likuiditas bank konvensional. Adapun faktor makro ekonomi (pertumbuhan GDP dan inflasi) tidak mempengaruhi risiko likuiditas kedua bank. Kemudian variabel pandemic tidak memberikan pengaruh pada risiko likuiditas kedua jenis bank. Penelitian ini diharapkan dapat mempermudah para bankir dalam mengambil keputusan untuk meningkatkan kualitas pengelolaan likuiditas pada kedua sistem perbankan tersebut, terutama dimasa pandemi covid-19, agar tidak terjadi kebangkrutan. Kata Kunci: Risiko Likuiditas, Bank Syariah, Bank Konvensional, Covid-19. ABSTRACT This study aims to identify and analyze the determinants of liquidity risk in Islamic and conventional banking in Indonesia before and during the COVID-19 pandemic. This study uses a panel data approach to examine the relationship between liquidity risk with bank-specific and macroeconomic factors before and during the COVID-19 pandemic (2018-2021). By taking samples from 10 Islamic banks and 20 conventional banks operating in Indonesia, this study found that bank-specific factors consist of Capital Adequacy ratio (CAR), Return on Equity (ROE), and Non-Performing loans (NPL) or credit risk affect the liquidity of Syariah banking. While CAR and NPL have no significant effect on conventional bank liquidity, other bank-specific factors, namely ROE, have a considerable effect on the liquidity risk of conventional banking. Meanwhile, macroeconomic factors (GDP growth and inflation) did not affect the liquidity risk of the two banks. Meanwhile, the dummy variable shows no significant effect on liquidity risk in Islamic and conventional banks related to pandemic conditions. Thus, this research is expected to facilitate bankers in making decisions to improve the quality of liquidity management in the two banking systems. Keywords: Liquidity Risk, Islamic Banks, Conventional Banks, Covid-19. DAFTAR PUSTAKA Abdel Megeid, N. S. (2017). Liquidity risk management: conventional versus Islamic banking system in Egypt. Journal of Islamic Accounting and Business Research, 8(1), 100–128. https://doi.org/10.1108/JIABR-05-2014-0018 Abdul-Rahman, A., Sulaiman, A. A., & Said, N. L. H. M. (2018). Does financing structure affects bank liquidity risk? Pacific-Basin Finance Journal, 52(9), 26-29. https://doi.org/10.1016/j.pacfin.2017.04.004 Adawiyah, N. N., & Azifah, N. (2020). Faktor-faktor yang mempengaruhi likuiditas pada bank umum syariah di Indonesia. Jurnal Ilmiah Ekonomi Bisnis, 25(3), 238–248. https://doi.org/10.35760/eb.2020.v25i3.2663 Almira, N. P. A. K., & Wiagustini, N. L. P. (2020). Return on asset, return on equity, dan earning per share berpengaruh terhadap return saham. E-Jurnal Manajemen Universitas Udayana, 9(3), 1069. https://doi.org/10.24843/ejmunud.2020.v09.i03.p13 Arif, A., & Nauman Anees, A. (2012). Liquidity risk and performance of banking system. Journal of Financial Regulation and Compliance, 20(2), 182–195. https://doi.org/10.1108/13581981211218342 Berger, A.N. and Bouwman, C. H. (2009). Bank liquidity creation. Review of Financial Studies, 22(9), 3779–3837. https://doi.org/10.1093/rfs/hhn104 BPS. (n.d.). Pengertian pendapatan nasional. Retrieved from https://www.bps.go.id/subject/11/produk-domestik-bruto--lapangan-usaha-.html Cahyono, E. F., Rani, L. N., & Mardianto, M. F. F. (2021). Determinants of Indonesian conventional and Islamic bank depositor trust during the covid-19 pandemic. Journal of Islamic Monetary Economics and Finance, 7(1), 1–32. https://doi.org/10.21098/jimf.v7i1.1352 CNBC Indonesia. (2020). LPS: Perbankan hadapi risiko likuiditas ketat & NPL meningkat. Retrieved from https://www.cnbcindonesia.com/news/20200623142740-4-167394/lps-perbankan-hadapi-risiko-likuiditas-ketat-npl-meningkat Dendawijaya, L. (2003). Manajemen perbankan. Bogor: Ghalia Indah. Dinger, V. (2009). Do foreign-owned banks affect banking system liquidity risk? Journal of Comparative Economics, 37(4), 647-657. https://doi.org/10.1016/j.jce.2009.04.003 Fauziana, L., Mulyaningsih, A., Anggraeni, E., M, S. C. Y., & Rofida, U. (2014). Keterkaitan investasi modal terhadap GDP Indonesia. Economics Development Analysis Journal, 3(2), 372–380. https://doi.org/10.15294/edaj.v3i2.3845 Gautam, R. (2016). The Determinants of banks liquidity: Empirical evidence on Nepalese commercial banks. Journal of Interdisciplinary Studies, 2(2), 69–78. Ghenimi, A., Chaibi, H., & Omri, M. A. B. (2021a). Liquidity risk determinants: Islamic vs conventional banks. International Journal of Law and Management, 63(1), 65–95. https://doi.org/10.1108/IJLMA-03-2018-0060 Hanifah, R. U., Ariefiantoro, T., & Suryawardana, E. (2021). Analisis pengaruh non-performing loan (npl), return on asset (roa), return on equity (roe) terhadap risiko likuiditas perbankan. Solusi: Jurnal Ilmiah Bidang Ilmu Ekonomi 19 (3), 234–244. http://dx.doi.org/10.26623/slsi.v19i3.4112 Hidayat, S. E., Farooq, M. O., Nasution, A., & Sari, C. A. (2020). Covid-19 And its impacts on the Islamic financial industry in the OIC countries. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (I, pp. 1–11). Jakarta: KNEKS. Ichwan, M. C., & Ryandono, M. N. H. (2016). Faktor-faktor yang berpengaruh terhadap likuiditas bank syariah. Jurnal Ekonomi Syariah Teori dan Terapan, 3(2), 144–157. https://doi.org/10.20473/vol3iss20162pp144-157 Iqbal, A. (2012). Liquidity risk management: A comparative study between conventional and Islamic Banks of Pakistan. Global Journals, 12(5), 55-64. Izadkhasti, H. (2020). The severity & magnitude of the impact of the coronavirus crisis on the Islamic financial industry in Iran. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 53–59). Jakarta: KNEKS. Kamila, N. (2018). Pengaruh kinerja keuangan dan variabel ekonomi makro terhadap likuiditas perbankan (Studi pada industri perbankan di Indonesia tahun 2010-2016). Jurnal Ilmiah Mahasiswa Fakultas Ekonomi dan Bisnis, Ilmu Ekonomi, 1-17. liputan6.com. (2021). Ngeri, krisis ekonomi akibat pandemi covid-19 disebut terburuk dalam sejarah. Retrieved from https://www.liputan6.com/bisnis/read/4647601/ngeri-krisis-ekonomi-akibat-pandemi-covid-19-disebut-terburuk-dalam-sejarah Mariss, E. (2017). Pengaruh return on asset (roa), bopo, financing to deposit ratio (fdr), capital adequacy ratio (car) dan non performing financing (npf) terhadap tingkat bagi hasil deposito mudharabah pada bank umum syariah di Indonesia (Periode 2012-2015). Skripsi tidak dipublikasikan. Jakarta: Sekolah Tinggi Ilmu Ekonomi Indonesia Banking School Meera, A. K. M., & Wirdayanti, Y. N. (2020). The economic costs of the COVID-19 outbreak for Malaysia: A preliminary crude estimate and suggestion for solutions. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 61–69). Jakarta: KNEKS. Muhammad, A. D., & Ismail, A. A. (2020). Impacts of covid-19 on the Islamic finance industry in Nigeria. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 71–79). Jakarta: KNEKS. Muharam, H., & Penta Kurnia, H. (n.d.). Liquidity risk on banking industry: Comparative study between Islamic bank and conventional bank in Indonesia. Al-Iqtishad: Journal of Islamic Economics, 5(2), 207-218. https://doi.org/10.15408/aiq.v5i2.2565 Overby, J., Rayburn, M., & Hammond, K. (2013). Impact, definition of. Encyclopedia of Crisis Management, 16(1), 69–94. https://doi.org/10.4135/9781452275956.n167 Prihatiningsih. (2016). Pengaruh DPK, capital adequecy ratio (CAR), imbal hasil sertifikat bank indonesia syariah (SBIS), imbal hasil sertifikat investasi mudharabah antar bank syariah (SIMA), dan non performing financing (NPF) terhadap financing to deposit ratio (FDR) (studi pada bank umum syariah tahun 2006-2010. Skripsi tidak dipublikasikan. Semarang: Universitas Diponegoro Rahman, M. A., Kusuma, A. Z., & Afryanto, H. (2020). Situasi ketengakerjaan di lapangan usaha yang tedampak covid-19. Catatan Isu Semeru, 1-4. Reyna, T. (2007). Panel data analysis fixed and random effects using stata (v. 4.2). Data & Statistical Services. Massachusetts: Princeton University. Santoso dkk. (2013). Faktor-faktor yang mempengaruhi likuiditas perbankan syariah di Indonesia. Jurnal Ekonomi Universitas Sebelas Maret, 221–231. Shaikh, S. A. (2020). Coping with COVID-19 in Pakistan. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 89–101). Jakarta: KNEKS. Sudarsono, H. (2009). Dampak krisis keuangan global terhadap perbankan di indonesia: Perbandingan antara bank konvensional dan bank syariah. La_riba: Jurnal Ekonomi Islam, 3(1), 12-23 https://doi.org/10.20885/lariba.vol3.iss1.art2 Sukmana;, R., Indrawan;, I. W., & Ajija, S. R. (2020). The impact of covid-19 outbreaks on the Islamic financial industry: Indonesia. In Impacts of COVID-19 Outbreak on Islamic Finance in the OIC Countries (pp. 43–51). Jakarta: KNEKS. Suparmin, A. (2019). Manajemen resiko dalam perspektif Islam. El-Arbah: Jurnal Ekonomi, Bisnis Dan Perbankan Syariah, 2(02), 27–47. https://doi.org/10.34005/elarbah.v2i02.551 Utami, M. S. M., & Muslikhati. (2019). Pengaruh dana pihak ketiga (DPK), capital adequacy ratio (CAR), non-performing financing (NPF) terhadap likuiditas bank umum syariah (BUS) periode 2015-2017. FALAH Jurnal Ekonomi Syariah, 4(1), 33–43. https://doi.org/https://doi.org/10.22219/jes.v4i1.8495 Waemustafa, W., & Sukri, S. (2016). Systematic and unsystematic risk determinants of liquidity risk between Islamic and conventional banks. International Journal of Economics and Financial Issues, 6(4), 1321–1327. https://doi.org/10.6084/m9.figshare.4052316 WHO. (n.d.). Pertanyaan dan jawaban terkait Coronavirus. Retrieved from https://www.who.int/indonesia/news/novel-coronavirus/qa/qa-for-public

POLA IMPLEMENTASI ALOKASI ZISWAF DALAM PENYEDIAAN AKSES PENDIDIKAN BAGI KAUM DHUAFA KHURUL AIMMATUL UMMAH; AHMAD RIYADI; SRI HERIANINGRUM
JEBI (Jurnal Ekonomi dan Bisnis Islam) Vol 3, No 2 (2018): Juli - Desember 2018
Publisher : Universitas Islam Negeri Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/jebi.v3i2.183

The education sector is an escalator to the nation's future moral, progressive, prosperous, dignified and prosperous. But the reality in Indonesia at this time not all walks of life can benefit from a good education. There are very many people who can not enjoy a proper education due to economic factors, or inability to access it. Islam has used philanthropy in removing economic and social disparities within a community in which ZISWAF (Zakat, Infaq, Sedekah and Wakaf). When this has been a lot of institutions that focus on social fund through the instrument ZISWAF, but the distribution of these funds are still focused towards sectors of the economy, even to meet the needs of the consumer. Indeed the education sector is also one of the strategic sectors which should be considered as a form of manifestation in pencampaian future for poor people better.Through research that uses qualitative approach aims to be able to determine the pattern of distribution of funds ZISWAF implementation by collectors in the provision of access to education for the poor, so as to explain and provide information to the public in the disbursement of funds ZISWAF to providing access to education for the poor quality. By using kompratif study researchers compared patterns of implementation ZISWAF implemented by the two institutions that became the object of research is Smart Ekselensia, and Junior High School champion, then the results of the analysis will be processed using the method of Spradley. Based on the results of analysis show that the implementation of the distribution ZISWAF in procuring access to education for these three agencies do have differences, but it overlooks impact both in providing quality education for the poor.

Foreign Direct Invesment Flows in OIC Country Nida Laili Fitriyah; Alvira Aina A'yun; Khofidlotur Rofiâ€™ah; Sri Herianingrum
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 9 No. 2 (2020): October
Publisher : Program Studi Ekonomi Islam Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36835/iqtishoduna.v9i2.495

Investment is one of the funding needed by all countries to develop manufacturing and the economy. This study aims to examine the factors affecting the foreign direct investment flow among OIC countries. In order to achieve the goal, the authors use quantitative research methods using a regression test of data panels on the secondary data that has been collected. Panel data for the period 2012-2018 are used. The results showed that inflation and political stability have a significant and positive impact on FDI's entry. Meanwhile, corruption variables have a negative not significant effect on FDI and economic growth variables have a positive effect but not significant in FDI’s entry in OIC Country. This research examines simultaneously the factors that determine FDI flow in OIC Country. This Paper provides value for policymakers in OIC Country recognized the need for outside capital as one of fund for the public. As well as consider the investor takes the decision in investing his funds especially in Asian countries member of Islamic Cooperation (OIC).

Financing risk management to anticipate financial distress in Islamic banks Riana Afliha Eka Kurnia; Tjiptohadi Sawarjuwono; Sri Herianingrum
Journal of Islamic Economics Lariba Vol. 3 No. 2 (2017)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar

Uncertainty was not only found in conventional banks but also in Islamic banks. Financing risks in Islamic banks can occur because Islamic banks have made some modifications to sharia contracts used for financing to adjust general business of banks environments. Thus Islamic banks, like conventional ones, face risks and business issues. This study discusses how risk management at Bank Islam poses a risk to financial difficulties probability. This study will explain that Islamic banks should establish a risk management system by its functionality and complexity of the banks, and the system provides bank's risk management organization that suits with sharia principle to at least be able to avoid financial distress conditions.

Effect of Macroeconomic Variables on Third-Party Funds in Islamic Commercial Banks in Indonesia Ryan Rahmah Maulayati; Muthi Adillah Bahril; Sri Herianingrum
Journal of Islamic Economics Lariba Vol. 6 No. 1 (2020)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol6.iss1.art2

The purpose of this article is to look at the long-term and short-term relationships between macroeconomic variables, namely the exchange rate, inflation and IPI to third party funds with Islamic commercial banks in Indonesia. This article uses quantitative research methods, the data used is secondary data with the time series type from January 2014-December 2018, the analytical tool used is VECM, which is a form of VAR detected. Before the final results are obtained, there are several analyzes that must be performed before testing the VECM, namely the stationarity test, the optimal lag test, the cointegration test, the VECM estimate, and finally the impulse response function test. Based on the results of the analysis performed, the results show that for both long and short term exchange rate variables affect deposits, the inflation variable in this investigation period does not affect deposits and the IPI variable has a long term relationship with deposits, while in the short term has no relationship with third party funds. This article contributes to the effect of both long and short term macroeconomic variables on the interest of customers in depositing money with Islamic banks to be used as third party funds with Islamic banks.

The Role of Islamic Investment Ethics in Preventing Fraudulent Investments Azhar Alam; Sri Herianingrum; Muhamad Nafik Hadi Ryandono; Nur Puji Rohmawati
Perbanas Journal of Islamic Economics and Business Vol 3 No 1 (2023): Perbanas Journal of Islamic Economics and Business
Publisher : Perbanas Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v3i1.81

The case of bulging investment is still rife and causes losses for investors. This study aims to determine the role of Islamic investment ethics in preventing investment based on theoretical studies through a literature review and reinforced by the opinions of religious experts, investment experts, and law enforcement staff. This study used a descriptive qualitative approach using primary data from theoretical studies from various literature sources and interviews with ten people, including religious and investment experts. Moreover, The results show that the role of Islamic investment ethics in preventing investments such as staying away from riba, gharar, and maysir, using the principle "Al-Ghunm bi Al-Ghurm," which means the profit or income obtained is balanced with the losses incurred and uses the principle of prudence in making investments. This study provides advice on the need for education for the community related to investments related to riba, gharar, maysir, and the harmony between risk and profit, and the need for the principle of prudence before making investments that there is no case of bulging investment.

Co-Authors Aam Slamet Rusydiana, Aam Slamet Abd Rohim Abdul Muiz Hamid Abdul Muiz Hamid, Abdul Muiz Abdurrahman Mi'raj, Denizar Ach. Yasin Aditya Nurrahman Afifah Nur Millatina Ahmad Fadlur Rahman Bayuny Ahmad Fahmi Abdurrahman AHMAD RIYADI Ahmad Riyadi Aidi Faiz Romadoni al Agawany, Ziad Mhmmad Wafik Al-Faizin, Abdul Wahid Alan Nur, Muhammad Aldeen, Khaled Nour Alfin Maulana Ali Shah, Syed Alamdar Alifah Aditania Alim, M. Sahirul Alvira Aina A'yun Alvira Aina A'yun Amri Ahmadi Annisa Masruri Zaimsyah Annisa Masruri Zaimsyah Arif Dwi Harnoko Arifin, Nur Rachmat Arikha Nur Adhilla Armanto, Andre Azhar Alam Bagus Wilarnugroho Bahril, Muthi Adilah Baitul Hamdi Budi, Ryan Setya Cipto, Disca Aprilinda Deby Eirma Maretha Diah Putri Pravita Sari Diah Putri Pravita Sari, Diah Putri Pravita Eko Fajar Cahyono, David Kaluge Elfira Rizki Rahmadhani Faishol Luthfi Faizurrahman, Umar Haidar Fitri Drasmawita Fitria Nurma Sari Fitriani Fitriani FITRIYAH, SAYYIDATUL Fuhairah, Muhammad Tiar Fuhairah Hakimi, Fifi Hanesti, Elsi Mersilia Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Haryo Firas Tunas Kuncoro Hasan, Agus Suaidi Hidayat, Muhammad Rachmad Hilmy Zein Honesty Nur Firdaus Hosfaikoni Hadi, Nizar Ibnu Affan Iffa Amalia Iffa Amalia, Iffa Ihdina Sabilal Haq Imam Gracia Marshall Imron Mawardi Imronjana Syapriatama Inayah S. Ratih Inayah Swasti Ratih Inayah Swasti Ratih Insani, Taqiyah Dinda Ira Humaira Hany Irham Zaki Irma Andriyaningtyas Jaenudin, M Khaled Nour Aldeen Khalwat Asyaria Khalwat Asyaria Khofidlotur Rofiâ€™ah Khofidlotur Rofi’ah KHURUL AIMMATUL UMMAH Kurnia, Riana Aflika Eka Larasati, Pradipta Puspita Lestari Dwi Astuti Lestari, Nurrizka Puji Lina Aprilianti Luthfiyatillah Luthfiyatillah Luthfiyatillah, Luthfiyatillah Mamduh, Muhammad Faizul Masruhatul Abadiyah Masruhatul Abadiyah, Masruhatul Mauizhotul Hasanah Maya Masita Septiarini Mega Ayu Maharanie Mega Ayu Maharanie, Mega Ayu Melzatia, Haura Hazimah Meri Indri Hapsari, Meri Indri Miftahur Rahman Miftahurrahman, Miftahurrahman Millatina, Afifah Nur Millatina, Afifah Nur Millatina, Nur Afifah Misbahul Muniroh Muh Novriansyah Muhamad Nafik Hadi Ryandono, Muhamad Nafik Muhamad Wahyudi Muhamad Wahyudi, Muhamad Muhammad Adam Muhammad Alan Nur Muhammad Cholil Muhammad Nabil Muhammad Raihan Mauludin Muhammad sanusi Muhammad Ubaidillah Al Mustofa Muhammad Ubaidillah Al-Mustofa Muhammad Wicaksono Hasdyani Putra Mujahidah, Sitti Hamidah Mujahidah, Sitti Hamidah Mulyatiningsih Mulyatiningsih Mulyatiningsih, Mulyatiningsih Mumuh Muhammad Muthi Adillah Bahril Nabila Nabila Nafi’ah, Bariyyatin Naily Rohmah Najiatun Najiatun Nida Laili Fitriyah Nida Laili Fitriyah Nisful Laila Novian Abdi Firdausi Novita Novita Novita Nugraha, Fajar Putra Nur Afifah Millatina Nur Liviasari Yulma Nur Puji Rohmawati Nur Rachmat Arifin Nur Rachmat Arifin Nur Rachmat Arifin Nurillah, Shinta Lintang Nurrizka Puji, Lestari Nurul Farida Damayanti Nurul Farida Damayanti, Nurul Farida Nurul Huda Nurul Huda Pertiwi, Tanza Dona Pradipta Aditya Pradipta Aditya, Pradipta Pradipta Puspita Larasati Pradipta Puspita Larasati Prasetya, Renata Agung Prasetya, Renata Agung Pratita, Deftyan Hadi Puji Sucia Sukmaningrum Puspita Rachman Putra, Muhammad Wicaksono Hasdyani Putri Amalia Zahrah Putri, Aura Permata Rachma Indrarini Rachmania Nurul Fitri Amijaya Radatiya Chorul Achiroh Rani, Lina Nugraha Ratih, Inayah Swasti Rendra Akbar Rendra Akbar, Rendra Reza Ramadhan Riana Afliha Eka Kurnia Riana Afliha Eka Kurnia, Riana Afliha Eka Ridan Muhtadi Ririn Tri Ratnasari Risa Sari Pertiwi Risa Sari Pertiwi Risanda A. Risanda Alirastra Budiantoro Rizky Pratama Putra Rizky Pratama Putra Rohmah Niah Musdiana Rohmah Niah Musdiana, Rohmah Niah Romadhani, Karunia Rusanti, Ega Rusmita, Sylva Alif Ryan Rahmah Maulayati Ryan Rahmah Maulayati Samsul Arifin SAYYIDATUL FITRIYAH Sholikhin, Mohammad Yusron Sitti Hamidah Mujahidah Sofyan, Syathir Soleh, Nurah Badrus Sri Abidah Suryaningsih Sri Ningsih Sri Yayu Ninglasari Sudoto, Sudoto Sulistya Rusgianto Supriani, Indri Supriono Supriono Syaifullah Syarifuddin Syarifuddin Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah Tamimah, Tamimah, Tamimah Tata Leni Lestari Tika Widiastuti Tjiptohadi Sawarjuwono UMMAH, KHURUL AIMMATUL Ummi Kulsum Ummi Muthi`ah Fathy Wahab, Abd. Wijayanti, Ida Yan Putra Timur Yayan Firmansah Zulfikri Charis Darmawan

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