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All Journal EKSPANSI Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Shirkah: Journal of Economics and Business International Journal of Islamic Business and Economics (IJIBEC) International Journal of Islamic Business and Economics (IJIBEC) MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis
Idhafiyyah Anwar
Universitas Islam Negeri Sultan Aji Muhammad Idris Samarinda
Religion Economics, Econometrics & Finance Environmental Science

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Factors Influencing the Amount of Mudarabah Savings Deposit in Public Sharia Banks Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol. 6 No. 2 (2022): IJIBEC VOL. 6 NO. 2 DECEMBER 2022
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.6288

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah di Indonesia. Pendekatan dalam penelitian ini adalah kuantitatif asosiatif yang menggunakan metode Analisis Regresi Linier Berganda dengan pengujian sampel yang digunakan berasal dari 12 bank yang berada di Indonesia berdasarkan laporan bulanan Bank Umum Syariah mencakup tahun 2017 hingga 2021. Hasil penelitian menunjukkan bahwa, tingkat suku bunga bank umum tidak berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah bank umum syariah, nilai tukar rupiah, bagi hasil deposito dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara parsial terhadap jumlah simpanan deposito mudharabah Bank Umum Syariah, tingkat suku bunga bank umum, nilai tukar rupiah, bagi hasil deposito Bank Umum Syariah dan jumlah Kantor Cabang Pembantu (KCP) berpengaruh secara simultan terhadap jumlah simpanan deposito mudharabah pada Bank Umum Syariah.
Financial Performance of Bank Syariah Indonesia (BSI) Before and After Merger Bambang Iswanto; Siti Alawiyah; Kokom Komariah; Idhafiyyah Anwar
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 13, No 2 (2022): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v13i2.178-193

Abstract

As mergers can play a crucial role in enabling sharia banks to withstand intense competition, assessing their financial performance before and after a merger can provide valuable insights.. Therefore, this study analyzes the financial performance before and after the merger at Bank Syariah Indonesia. In analyzing the data, the comparative descriptive method was used by comparing the financial statements and the Good Corporate Governance report of Bank Syariah Indonesia for one year. The Risk-Based Bank Rating (RBBR) method, which includes four assessment factors, namely Risk Profile, Good Corporate Governance, Earning, and Capital (RGEC), was applied to assess the performance of the bank using NPF, FDR, GCG, ROA, ROE, NIM, BOPO, and CAR ratios. The data analysis used descriptive statistics, Shapiro-Wilk, and Wilcoxon Signed Rank Tests. Based on the analysis, the percentage difference in the BOPO and NIM ratios was the largest and lowest, which were 6.16% and 0.08%. Furthermore, there was a significant difference in the financial performance of Bank Syariah Indonesia before and after the merger, which became increasingly healthy. This study has implications for bank assessment policies, as it highlights the need to consider various factors to assess the output scale produced in the bank.
Cattle Fattening Program: The Effectiveness of Zakat Community Development Bambang Iswanto; Iklimah Dalhudah; Mursyid Mursyid; Idhafiyyah Anwar
Shirkah: Journal of Economics and Business Vol. 8 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/shirkah.v8i2.606

Abstract

Despite many studies on productive Zakat, the focus on the effectiveness of mustahiq empowerment programs has been limited. This study looks at how effective the Zakat community development-based cattle fattening program is towards the empowerment of Zakat recipients. The study measures four indicators of program effectiveness: program target accuracy, program socialization, program objectives, and program monitoring. Data collection techniques include interviews, observation, and documentation. The study found that the program was good at targeting the right people, but it wasn't socialized enough. The program also fell short of its objectives because the recipients weren't making enough money to become donors themselves yet. However, the program was well-monitored, with regular check-ins to make sure it was on track. The study suggests that clearer standards are needed to increase the benefits received by Zakat recipients This study has practical implications for productive Zakat distribution policies, as clear benchmarks are required for implementing programs that increase Zakat recipients' benefits.
MEASURING THE PERFORMANCE OF ISLAMIC BANKS THROUGH RISK PROFILE, EARNING, AND CAPITAL Bambang Iswanto; Angrum Pratiwi; Idhafiyyah Anwar
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 15 No 1 (2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v15i1.4631

Abstract

The emergence of COVID-19 as a global pandemic has impacted slowing economic growth, which has also affected regional financial and banking stability in East Kalimantan. This study aims to describe the results of measuring the performance of Islamic Commercial Banks using the risk profile, earning & capital method. The research population is Islamic banks operating in the Samarinda area of ​​East Kalimantan, and the research sample selection is purposive sampling. The study results show that the measurement in terms of the risk profile aspect shows an average rating of 2, "Good," and 3, "Fair enough." While the average rating on the FDR ratio is rated 2, "Good," a rating of 3 is "Enough Good," and a rating of 1 is "Very Good." Furthermore, in terms of earning assessment, by looking at the ROA, ROE, and BOPO ratios after being ranked, the results show that ROE and BOPO ratios rank 4 and 5. In contrast, NOM is rated 1, while the ROA ratio continues to fluctuate from rank 1 to rank 5, meaning that bank performance Sharia law differs in generating returns on assets. This is a note, as well as opportunities and challenges for banks to be able to compete with other banks. Furthermore, capital assessment is rated "Very Good," which means that it has met the standards set by Bank Indonesia and the Financial Services Authority.
Factors Influencing the Increase in Mudarabah Savings: Evidence from Sharia Banks in Indonesia Bambang Iswanto; Risma Nurriani; Idhafiyyah Anwar; Ahmad Tibrizi Soni Wicaksono; Muhammad Nur Faaiz Fathah Achsani
International Journal of Islamic Business and Economics (IJIBEC) Vol 6 No 2 (2022): Volume 6 Nomor 2 Tahun 2022
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v6i2.6288

Abstract

This research aims at discovering the effect of public bank's interest rate, Rupiah exchange rate, deposit profit sharing of public sharia banks and number of branch offices on the amount of mudarabah savings deposit in public sharia banks in Indonesia. It used Multiple Linear Regression Analysis to test 60 data samples from 12 banks located in Indonesia based on the public sharia banks’ monthly reports from 2017 to 2021. The research result showed that public bank's interest rate had no partial effect on the amount of mudarabah savings deposit and Rupiah exchange rate, deposit profit sharing and number of branch offices partially affected the amount of mudarabah savings deposit. Simultaneously, however, public bank's interest rate, Rupiah exchange rate, deposit profit sharing and number of branch offices had an influence on the amount of mudarabah savings deposit. As a primary funding source, mudarabah deposit plays an important role in a bank’s stability since it is the main element to reduce the bank liquidity risk. The implication of this study is that it is important for banks to have a policy that (1) maintain a certain amount of deposit savings by considering the macroeconomic condition, namely the exchange rate of currency used in the global economic trade and (2) maintain the performance of bank’s internal factors such as profit-sharing and number of branch offices as an attempt to expand the networkto increase the mudarabah deposit market share.
Financial Self-Efficacy as a Mediator of Financial Literacy and Consumption Adaptation on Household Economic Resilience during Regional Inflation Idhafiyyah Anwar
MUQADDIMAH: Jurnal Ekonomi, Manajemen, Akuntansi dan Bisnis Article in Press
Publisher : LP3M INSTITUT KH YAZID KARIMULLAH

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59246/vtc5jp67

Abstract

Regional inflation increases pressure on households' ability to maintain economic stability, particularly in regions experiencing rapid economic transformation. Although financial literacy and consumption adaptation have been widely recognized as important determinants of household economic resilience, previous studies have largely examined these factors independently, providing limited empirical evidence regarding the psychological mechanism through which they strengthen household resilience under heterogeneous regional inflation. This study aims to examine the effects of financial literacy and consumption adaptation on household economic resilience and to investigate the mediating role of financial self-efficacy among households in the buffer region surrounding Indonesia's New Capital City (Ibu Kota Nusantara, IKN). A quantitative survey was conducted involving 400 households, and the data were analyzed using Partial Least Squares–Structural Equation Modeling (PLS-SEM). The results indicate that financial literacy, consumption adaptation, and financial self-efficacy each exert positive and significant effects on household economic resilience. Furthermore, financial self-efficacy partially mediates the effects of financial literacy and consumption adaptation on household economic resilience. These findings demonstrate that household economic resilience is shaped by the interaction of cognitive capability, adaptive behavior, and psychological confidence in responding to regional inflationary pressures. This study contributes to the household finance literature by developing and empirically examining an integrated explanatory framework that incorporates financial literacy, consumption adaptation, and financial self-efficacy to explain household economic resilience under regional inflation. The findings also provide practical implications for policymakers in designing integrated financial education and household empowerment programs aimed at strengthening financial capability, adaptive consumption behavior, and financial self-efficacy to improve household resilience against future economic shocks.
Co-Authors Ahmad Tibrizi Soni Wicaksono Ahmad Tibrizi Soni Wicaksono Angrum Pratiwi Bambang Iswanto Bambang Iswanto Iklimah Dalhudah Kokom Komariah Muhammad Nur Faaiz Fathah Achsani Muhammad Nur Faaiz Fathah Achsani Muhammad Nur Faaiz Fathah Achsani Mursyid Risma Nurriani Risma Nurriani Siti Alawiyah