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Pengukuran Potensi Kerugian Pembiayaan Berbasis Profit and Loss Sharing (PLS) dengan Pendekatan Value At Risk (VAR) Anggraeni, Rr Tini
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 3 No 2 (2021): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

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Sharia Banks have uncertain returns. This is because Islamic banks cannot determine with certainty at the beginning how much return must be determined at the beginning. The yield obtained is adjusted to the acquisition of revenue from Shahibul Mall. Uncertain yields certainly have the potential for uncertain gains and losses. Uncertain yields are most felt in mudharabah and musyarakah financing based on Profit and Loss Sharing (PLS). The high return is in line with the high risk. Based on preliminary observations, mudharabah and musyarakah financing have higher returns compared to other types of financing. For this reason, it is necessary to measure the potential losses faced by mudharabah and musyarakah financing so that depositors and shahibul mal customers can predict the rate of return generated on mudharabah and musyarakah financing. Using the Value at Risk (VAR) approach, it is hoped that the results of this study can be used as a reference for decision makers to determine the equivalent rate of profit sharing that can be used as a reference in placing funds, especially in mudharabah and musyarakah financing.

Stock Split dan Pengaruhnya Pada Return Saham Rr Tini Anggraeni; Akrim Hayata
Agregat: Jurnal Ekonomi dan Bisnis Vol. 2 No. 2 (2018): September
Publisher : Universitas Muhammadiyah Prof. DR HAMKA.

This study aims to determine the effect of the stock split on the Return of each company's stock. The sample using 6 companies that conduct stock split corporation activity, recorded in Indeks Saham Syariah Indonesia (ISSI) consistently during period 2012-2016 and once joined in Jakarta Islamic Index (JII). This study uses multiple regression analysis as a tool of analysis. The result of the analysis shows that simultaneously Return On Assets (ROA), Total Assets Turnover (TATO), Earning Per Share (EPS) and Price Earning Ratio (PER) produces significant influence only on ASII and TLKM stock. Partially, Price Earning Ratio (PER) variable gives significant effect to ASII, SCMA, and TLKM stock returns. While the variable Earning Per Share (EPS) produces a significant influence on ICBP stock returns.

Risiko Pasar Pada Pembiayaan Syariah Rr Tini Anggraeni
JURNAL EKUIVALENSI Vol. 4 No. 2 (2018): Jurnal Ekuivalensi
Publisher : LPPM dan Fakultas Ekonomi dan Bisnis Universitas Kahuripan Kediri

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Penelitian ini dilakukan sebagai bagian dari risk assesment untuk deteksi dini besar nilai risiko pasar yang diukur dari nilai beta atau nilai sensitivitas perolehan return bagi hasil pada masing-masing akad pembiayaan (mudhrabah, musyarakah, murabahah, ijarah, istishna dan qardh) Bank Syariah berdasarkan fluktuasi indikator makro ekonomi yang merupakan komponen penghitung risiko pasar yang terdiri dari risiko suku bunga, risiko nilai tukar, risiko ekuitas, risiko komoditas. Menggunakan metode pengukuran beta dari teori Capital Aset Pricing Model (CAPM) dalam Investment Management, yang diproxikan untuk melihat besaran beta atau risiko pasar dari beberapa fluktuasi indikator makro ekonomi yang digunakan. Penelitian ini menggunakan data dari return bagi hasil yang diambil dari equivalent rate pembiayaan masing-masing akad dengan nilai indikator makro ekonomi yang ada. Hasil penelitian menunjukkan bahwa imbal hasil pembiayaan Bank Syariah memiliki beta di bawah 1 yang menunjukkan hasil bahwa imbal hasil pembiayaan Bank Syariah bersifat non agresif atau kurang peka terhadap perubahan pada indikator suku bunga, SBIS, nilai tukar, komoditas emas dan minyak dan ekuitas JII. Hal ini menunjukkan bahwa imbal hasil pembiayaan Bank Syariah tidak banyak dipengaruhi oleh variabel makro ekonomi atau cukup defense terhadap perubahan atau fluktuasi makro ekonomi. Namun Jika dilihat dari arah hubungan, menunjukkan bahwa imbal hasil pembiayaan Bank Syariah memiliki beta positif, artinya perubahan fluktuasi makro ekonomi memberikan implikasi positif pada peningkatan imbal hasil pembiayaan Bank Syariah. Kata Kunci : Beta, Imbal Hasil Pembiayaan, Indikator Makro Ekonomi, CAPM

MANAJEMEN PORTOFOLIO ASET WAKAF PRODUKTIF UNTUK PEMBANGUNAN YANG BERKELANJUTAN RR TINI ANGGRAENI; SOFYAN RIZAL
Maqdis: Jurnal Kajian Ekonomi Islam Vol 6, No 1 (2021): Januari - Juni 2021
Publisher : Universitas Islam Negeri Imam Bonjol Padang

To launch a sustainable economic empowerment program, a portfolio of productive waqf assets is required to determine the diversification or distribution of waqf assets in several economic sectors, including the placement of both financial assets and real assets. This research was conducted to determine the implementation of productive cash waqf empowerment programs carried out by several Nazhir institutions, so that the asset management strategy of the productive cash waqf empowerment program portfolio can be identified and the economic and social impacts of the productive cash waqf empowerment program. This research is a qualitative research conducted by observing and mapping professional Nazhir-Nazhir productive waqf programs that are scattered in the Nazhir region and have been initiated since 2015 until now. The technical analysis used is a SWOT analysis to see how much strengths, weaknesses, opportunities and threats of each Nazhir are in placing and forming a portfolio of waqf assets. The results of this research show that the basis for the placement of productive cash waqf for Nazhir institutions is the orientation of the alaihi alaih which is the target of empowerment so that sustainable development can be achieved. The formation of cash waqf asset portfolios is classified based on the types of empowerment programs. And the chosen strategy is the SO strategy, which is a strategy that uses strength and takes advantage of existing opportunities to develop cash waqf. In the SO strategy, Nazhir's collaboration with LKSPWU and Financial Technology can increase the collection of cash waqf funds collected. High literacy or socialization of waqf to the community can increase the potential for earning cash waqf. The integration or combination of cash waqf programs with waqf assets is proven to be bisaed in optimizing the utilization of waqf assets so that they can provide more benefits for the alaihi alaihi alaih. The cash waqf program that is structured also adapts to the needs of the local community, so that it is right on target and has an economic and social impact on the community. Nazhir's collaboration with educational, health, economic and social institutions facilitates the absorption of cash waqf returns. The aforementioned matters become targets and recommendations for Nazhir institutions that have launched cash waqf programs so that their placement is more optimal and right on target. Of course, also taking into account the amount of the cost of funds or cost of equity will be achieved from the results of a business feasibility study that has been done before.

The Influence of Internal and External Factors on Profits of Sharia Life Insurance Units in Indonesia (2016-2020 Period) Tini Anggraeni; Zakiyyatun Nafilah
AL-FALAH : Journal of Islamic Economics Vol 7, No 2 (2022)
Publisher : Institut Agama Islam Negeri (IAIN) Curup

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29240/alfalah.v7i2.4536

Purpose: This study aims to analyze the long-term and short-term impact and influence of premiums, investment returns, inflation and exchange rates on Islamic insurance companies.Design/Method/Approach: This research uses associative which aims to determine the relationship of two or more variables with a quantitative approach. The data collection technique is by using the financial statements of each life insurance company in the sharia business unit. In addition, this study also uses data from government publication reports such as OJK, Bank Indonesia and BPS. The method used is panel data regression and ARDL to determine the long-term and short-term effects.Findings: The results show that from several companies sampled in the study, it is known that the companies that have the most influence on premiums, investment returns, inflation and exchange rates on sharia life insurance profits are PT. Prudential Life Assurance. This is because based on the company's financial statements the premium rate at PT. Prudential Life Assurance since 2016-2020 continues to increase significantly every year. Based on the ARDL method, it is known that in the short term all variables have a significant effect on profits, while in the long term premiums and the exchange rate have a significant effect on profits while investment and investment returns have no effect on profits in the long term.Originality/Values: The contribution of this research can provide information and be used as a reference in research on the analysis of the influence of internal factors and external factors on the profit of Islamic life insurance in Indonesia. In addition, it is hoped that this research will be used as a reference material in determining the decision to use a company's insurance services and with this research it is expected to be a reference for the government to be able to improve the sharia life insurance industry in its development.

Does Reporting of Aksi Cepat Tanggap Cases Affected Public Trust on Zakat Institutions? Pitria, Ratna Kamila; Aisy, Diamantin Rohadatul; Anggraeni, R. R. Tini
Signifikan: Jurnal Ilmu Ekonomi Vol 13, No 1 (2024)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i1.41075

Research Originality: Funds misallocation comitted by ACT identified as fraud and the non-transparent financial that reported in online mass online media in terms of negative reporting. This influence has never been studied on the loyalty of zakat payer (muzakki) of paying Zakat, Infaq, and Shadaqah (ZIS) in Islamic philanthropy institutions (LAZ) admidst related to negative reporting of ACT.Research Objectives: This research analyze the impact of transparency, fraud management and the cases reporting of ACT on public trust in paying zakat, infaq, shadaqah in other Islamic philanthropy institutions.Research Methods: This research setted in the Bogor City among 100 respondents of muzakki in the year 2023 and 2024. Then, multiple linear regression were involved to analyze the impact of independent variables on dependent variable.Empirical Results: The results reveal that being transparent and avoiding fraud cases will significantly increase public trust in paying ZIS at LAZ institutions. Meanwhile, coverage of the ACT cases had no impact on the loyalty of muzakki who were also well-educated.Implications: LAZ are encouraged to provide information related to ZIS funds management, so that trust of the muzakki will increase. Besides, LAZ also needs to have a strong internal control system to enforce transparency in financial reporting, and effective monitoring mechanisms to prevent fraud.JEL Classification: G23, G30, Z12

Does Reporting of Aksi Cepat Tanggap Cases Affected Public Trust on Zakat Institutions? Pitria, Ratna Kamila; Aisy, Diamantin Rohadatul; Anggraeni, R. R. Tini
Signifikan: Jurnal Ilmu Ekonomi Vol. 13 No. 1 (2024)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v13i1.41075

Research Originality: Funds misallocation comitted by ACT identified as fraud and the non-transparent financial that reported in online mass online media in terms of negative reporting. This influence has never been studied on the loyalty of zakat payer (muzakki) of paying Zakat, Infaq, and Shadaqah (ZIS) in Islamic philanthropy institutions (LAZ) admidst related to negative reporting of ACT.Research Objectives: This research analyze the impact of transparency, fraud management and the cases reporting of ACT on public trust in paying zakat, infaq, shadaqah in other Islamic philanthropy institutions.Research Methods: This research setted in the Bogor City among 100 respondents of muzakki in the year 2023 and 2024. Then, multiple linear regression were involved to analyze the impact of independent variables on dependent variable.Empirical Results: The results reveal that being transparent and avoiding fraud cases will significantly increase public trust in paying ZIS at LAZ institutions. Meanwhile, coverage of the ACT cases had no impact on the loyalty of muzakki who were also well-educated.Implications: LAZ are encouraged to provide information related to ZIS funds management, so that trust of the muzakki will increase. Besides, LAZ also needs to have a strong internal control system to enforce transparency in financial reporting, and effective monitoring mechanisms to prevent fraud.JEL Classification: G23, G30, Z12

Financial Performance, Market Value Added dan Makroekonomi pada Saham-Saham Syariah Rr Tini Anggraeni; Muhammad Usamah
Tauhidinomics: Journal of Islamic Banking and Economics Vol. 5 No. 1 (2025)
Publisher : Faculty of Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/thd.v5i1.49139

Penelitian ini bertujuan untuk mengetahui pengaruh financial performance, Market Value Added (MVA), dan Fundamental Makro Ekonomi terhadap Harga Saham pada perusahaan yang terdaftar di Jakarta Islamic Index (JII) periode 2019 - 2023. Penelitian ini menggunakan metode analisis regresi linear berganda dengan menggunakan data sekunder yang terdapat dalam laporan keuangan perusahaan. Penelitian ini menggunakan variabel independen yaitu Earning per Share (EPS), Return on Asset (ROA), Debt to Equity Ratio (DER), Market Value Added (MVA), nilai tukar, dan Inflasi dengan harga saham sebagai variable dependen. Hasil penelitian ini menunjukkan bahwa secara simultan variabel independen berpengaruh signifikan terhadap Harga saham, serta secara parsial Return on Asset (ROA), Market Value Added (MVA), dan Inflasi memiliki pengaruh positif dan signifikan terhadap Harga Saham sedangkan Debt to Equity Ratio (DER) memiliki pengaruh negatif dan signifikan terhadap Harga Saham. Sementara Earning per Share (EPS) dan nilai tukar tidak berpengaruh terhadap Harga Saham.Keywords:Harga Saham, Profitabilitas, Solvabilitas, Market Value Added

INVESTMENT INTEREST IN KENDARI COMMUNITY Muhammad Afriansyah Hidayah; RR Tini Anggraeni
Journal of Islamic Economy and Business (JIsEB) Vol. 2 No. 2 (2023): Journal of Islamic Economics and Business (JISEB)
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/qzcfkf04

Investment is one of the development tools needed by a country to improve people's welfare. This study aims to determine the effect of financial literacy, accountability, religiosity, returns, and digital platforms on investment interest (an empirical study of the people of Kendari). The population in this study is the general public of Kendari City. The sampling technique used is random sampling technique, the selected sample is 156 respondents. Data was taken using the questionnaire method. The data analysis method used was multiple regression analysis with the help of SPSS version 25 software. The results showed that the coefficient of determination test obtained an adjusted R value of 59.2% while the remaining 40.8% was influenced by other variables not included in this study. Based on the results of multiple linear regression tests, the most dominant variable affecting investment interest is digital platforms.

Pengaruh Fintech P2P Lending, Pembiayaan Bank Syariah, Tenaga Kerja, dan Inflasi terhadap Pertumbuhan Ekonomi Sektor Perdagangan di Indonesia Karmila Karmila; RR. Tini Anggraeni
Jihbiz : Jurnal Ekonomi, Keuangan dan Perbankan Syariah Vol 10 No 1 (2026)
Publisher : Universitas Islam Raden Rahmat

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33379/jihbiz.v10i1.9228

The trade sector plays a crucial role in Indonesia's GDP. The growth of this sector heavily relies on the availability of capital and the stability of the economic environment. This capital requirement is largely met through Fintech P2P lending and Islamic Bank Financing. However, determining factors such as the dynamics of Labor absorption, as well as fluctuations in Inflation, need further analysis to optimize the growth rate. This research aims to analyse and test the impact of Fintech P2P lending, Islamic Bank Financing, Labor, and Inflation variables on the Economic Growth of the Trade Sector in Indonesia in the short run and the long run. The analytical method used is the Vector Error Correction Model (VECM) with quarterly and monthly data spanning the 2021-2024 period. The results of this study indicate that in the short run, Fintech P2P lending, Islamic Bank Financing, Labor, and Inflation do not significantly influence the Economic Growth of the Trade Sector in Indonesia. Conversely, in the long run, Fintech P2P lending and Inflation have a negative and significant effect on the Economic Growth of the Trade Sector, while Labor has a positive and significant effect. Meanwhile, Islamic Bank Financing has a positive but non-significant effect on the Economic Growth of the Trade Sector.

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