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All Journal Signifikan : Jurnal Ilmu Ekonomi Jurnal Ekonomi & Studi Pembangunan JDE (Journal of Developing Economies) International Journal of Islamic Economics and Finance (IJIEF) Batoboh : Jurnal Pengabdian Pada Masyarakat FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Journal of Economics and Business Aseanomics International Journal of Zakat (IJAZ) Journal of Economics Research and Social Sciences Jurnal Ekonomi Indonesia Journal of Islamic Economic and Business Research
Muhammad Anif Afandi
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Religion Arts Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Financing Supply of Islamic Banking During COVID-19 Outbreak in Indonesia Muhammad Anif Afandi
Journal of Islamic Economic and Business Research Vol. 1 No. 1: June 2021
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1047.273 KB) | DOI: 10.18196/jiebr.v1i1.11807

Abstract

This study aims to analyze the factors that affect the financing supply of Islamic banking during pandemic COVID-19 outbreak in Indonesia. The variable of financial performances of Islamic banking such as Return on Assets (ROA), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR) and Non-Performing Financing (NPF) are used as the independent variables. Meanwhile, the impact of COVID-19 pandemic is analyzed using dummy variable. Furthermore, each of the independent variables and the dummy variable are tested its influence to the dependent variable, namely the financing supply of Islamic banking by using a proxy of the total financing. Ordinary Least Square (OLS) with double log model used as a data analysis technique with the results of the study show that the variable of ROA has a positive but not significant effect to the financing supply. Variable CAR and FDR each shows a negative and not significant effect to the financing supply. Whereas, the variable of NPF shows a negative and significant effect to the financing supply. Meanwhile, COVID-19 pandemic contributes in giving a positive and significant difference effect to the financing supply than before the presence of COVID-19 in Indonesia. The results of this study prove that the phenomenon of credit crunch in Islamic banking relative can be addressed during pandemic COVID-19 outbreak in Indonesia.
Profitability Variables and Bank Size Effects on Corporate Zakat: Evidence from Indonesian Islamic Banks Muhammad Anif Afandi
International Journal of Zakat Vol 4 No 1 (2019)
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (324.5 KB) | DOI: 10.37706/ijaz.v4i1.145

Abstract

Islamic banks carry out their operational activities based on Islamic principles. Thus, they are not only required to pay taxes but also zakat of 2.5 percent with several conditions. Theoretically, zakat has an impact on Islamic banks larger expenditures compared to conventional banks which are not obliged to. This research examines and analyzes the extent to which profitability variables which are ROA, ROE, and BOPO, and bank size which is represented by total assets, can affect corporate zakat expenditure by Islamic Commercial Banks (BUS) in Indonesia. To do so, the Panel Vector Error Correction Model (PVECM) is used to analyze the subject matters which the period covers from 2012 to 2017. This work finds that in the short-run, all the independent variables were insignificant. However, in the long-run only ROE and BOPO which were significant. The results of the Impulse Response Function (IRF) analysis showed that the dependent variable responds to the shock of its independent variables with fluctuating and even negative trend. In addition, the results of Variance Decomposition (VDC) analysis showed that the contribution of profitability variables and bank size tended to decrease toward the formation of corporate zakat expenditure by BUS until the end of the research period. Keywords: Corporate Zakat Expenditure, Islamic Banks, Profitability, Bank Size, PVECM
PENGARUH KEBIJAKAN PEMISAHAN (SPIN-OFF) TERHADAP PROFITABILITAS BANK UMUM SYARIAH DI INDONESIA Muhammad Anif Afandi; Karnila Ali; Jati Imantoro
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 6, No 1 (2023): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v6i1.1403

Abstract

Penelitian ini dilakukan dengan tujuan untuk mengetahui efektivitas kebijakan pemisahan (spin-off) Unit Usaha Syariah (UUS) dari Bank Umum Konvensional (BUK) sehingga menjadi Bank Umum Syariah (BUS) baru yang salah satunya dapat diketahui dari kemampuan BUS dalam menghasilkan profitabilitas tanpa melupakan variabel lain yaitu variabel internal bank dan variabel makroekonomi. Metode penelitian yang digunakan dalam penelitian ini adalah regresi linier berganda dengan menggunakan variabel dependen berupa profitabilitas BUS dengan proksi Return on Asset(ROA). Selain itu, variabel independen yang digunakan mencakup variabel dummy, variabel internal bank, dan variabel makroekonomi. Hasil penelitian menunjukkan bahwa rata-rata profitabilitas bank sebelum spin-off adalah sebesar 1.650 persen. Sedangkan, rata-rata profitabilitas bank sesudah spin-off lebih tinggi sebesar 0.622 persen dibandingkan dengan profitabilitas bank sebelum spin-off dengan nilai p-value sebesar 0.000 yang artinya H0 ditolak atau dengan kata lain terdapat perbedaan yang signifikan antara profitabilitas bank sesudah dan sebelum dilakukan spin-off. Selain itu, dari variabel independen yang digunakan dapat disimpulkan bahwa DPK dan KAP berpengaruh positif namun tidak signifikan terhadap profitabilitas, PYD berpengaruh positif dan signifikan terhadap profitabilitas, NPF berpengaruh negatif dan signifikan terhadap profitabiltas, dan inflasi berpengaruh negatif dan tidak signifikan terhadap profitabilitas dengan nilai R Square sebesar 0.831 yang artinya variabel dummy (profitabilitas bank sebelum dan sesudah spin-off), DPK, PYD, KAP, NPF, dan tingkat inflasi mampu menjelaskan variasi ROA sebesar 83.1 persen, sementara sisanya yaitu sebesar 16.9 persen dijelaskan oleh variabel lain yang tidak diperhitungkan dalam model penelitian.
The Forecasting of Financial Inclusion in East Java Through Islamic Microfinance Institution: an Autoregressive Integrated Moving Average Approach Afandi, Muhammad Anif; A'yun, Indanazulfa Qurrota
Journal of Developing Economies Vol. 3 No. 2 (2018)
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (827.824 KB) | DOI: 10.20473/jde.v3i2.10513

Abstract

Financial inclusion is an effort intended to eliminate price and non-price barriers toward public access to formal financial institutions. The aim of that is income equalization of the societies affecting increasing economic growth, poverty alleviation, and financial system stability. East Java is one of the provinces in Indonesia with the most number of Islamic Rural Banks (BPRS). This study wants to find out how the role of BPRS in realizing the acceleration of Islamic financial inclusion in East Java. Then, this research is conducted in the period January 2014 – May 2018 in which data sourced from the Islamic Banking Statistics (SPS), Financial Services Authority (FSA). An Autoregressive Integrated Moving Average (ARIMA) is applied as research method to predict the level of Islamic financial inclusion in East Java through BPRS by using three from four financial inclusion indicators released by Bank Indonesia in 2014 namely access with number of BPRS as its proxy, usage with amount of third party funds and amount of financing as its proxies, and quality with total assets and Non-Performing Financing (NPF) as its proxies. The results show that based on forecasting values until December 2020, the number of BPRS predicted will decrease with the last number as many as 27 banks, DPK will increase with the last number 1,680,558.79 million Rupiah, the amount of financing will increase with the last number as many as 1,822,810.80 million Rupiah, asset will increase with the last number 2,299,250.44 million Rupiah, and NPF will increase with the last number 12.48 percent. Keywords: Financial Inclusion, Islamic Rural Banks, ARIMA, East Java JEL Classification: N25, G21
Co-Authors A'yun, Indanazulfa Qurrota Ali, Karnila Jati Imantoro Jati Imantoro, Jati Muhammad Amin Slamet Tedy Siswoyo