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Islamic Banksâ€™ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Pambuko, Zulfikar Bagus; Ichsan, Nur; Anto, MB. Hendrie
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.

TINGKAT PERSAINGAN DAN EFISIENSI BANK PEMBIAYAAN RAKYAT SYARIAH DI INDONESIA Afrianty, Nonie; Anto, Moh. Bekti Hendrie
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 2, No 1 (2017)
Publisher : Institut Agama Islam Bengkulu

Abstract : Â The development of sharia banking in Indonesia can not be separated from its important Â role Â as Â anÂ intermediary Â institutionÂ as Â well Â as Â developingÂ the economy by channelingÂ funds for productive businesses, especially middle, small and micro entrepreneurs. Sharia banking that has a strategic role in funding for micro business is one of them is the Sharia Rural Bank (BPRS). Therefore, BPRS must operate efficiently to promote economic growth and competitiveness so as to survive in the face of tight financial industry competition in Indonesia. This research is conducted to analyze the level of competition / competition and efficiency of Sharia Rural Bank (BPRS) in Indonesia. The data used in this research is the financial report of 113 BPRS in Indonesia obtained from Bank Indonesia. The methods used to analyze the level of competition are Herfindahl-Hirschman Index (HHI) and Concentration Ratio (CR). The analysis of this level of competition includes three variables, including assets, Third Party Funds (DPK) and Financing. While the methods used to analyze the level of efficiency include two input variables and three output variables,Â includingÂ DPK,Â OperationalÂ Costs,Â FinancingÂ Disbursed, CurrentÂ AssetsÂ andÂ OtherÂ Operating Â Income.AnalisisÂ ofÂ BPRS competition level in Indonesia in 2011-2015 shows that BPRS in Indonesia tend to experience competition or competition between BPRS and not controlled by several BPRS. While at the level of efficiency of BPRS in Indonesia 2011-2015 using Data Envelopment Analysis (DEA) approach resulted 5 (five) BPRS with efficiency value 1 or 100%. In addition, for SRBs in inefficient conditions the DEA method also provides a reference or reference in order to be able to achieve efficient conditions.Keywords: Competition,Â Â Â Â Â Â Â Â HHIÂ Â Â Â Â Â Â Â andÂ Â Â Â Â Â Â Â CR,Â Â Â Â Â Â Â Â Efficiency,Â Â Â Â Â Â Â Â DEA, Â Â Â Â Â Â Â Â SR

Islamic Banksâ€™ Financial Stability and Its Determinants: a Comparison Study With Conventional Banks in Indonesia Pambuko, Zulfikar Bagus; Ichsan, Nur; Anto, MB. Hendrie
IQTISHADIA Vol 11, No 2 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i2.3346

The research aimed to analyze the stability of Islamic banking industry and its determinants in Indonesia. The same analysis was also done to the conventional banking industry as Indonesia practices dual banking systems. Using monthly data on Indonesian Banking Statistics for 2008-2013, this research implemented the Banking Stability Index (BSI) model for predicting the bank's stability. The analysis began with measuring BSI then using VECM to examine the effect of variables on BSI. The result showed that the BSI of both banking system was exhibiting the moderate level of stability though Islamic banking is more stable and safe way of financing than conventional banking. The shocks of inflation, exchange rate, efficiency, income diversity, liquidity, and Industrial Production Index responded positively by Islamic Bank' stability, while interest rate and market share responded negatively. In another hand, conventional bank' stability responded positively the shock of the exchange rate, income diversity, interest rate, liquidity, and market share, while other variables responded negatively. The results of shocking variables strongly indicated that the conventional banking is more vulnerable than Islamic banking. Islamic banking looked tend to the shock resistance and less volatile. This conclusion, however, might be still questioned as the BSI was not designed specifically for Islamic banking. Therefore, constructing an Islamic BSI (under Islamic banking characters) was important to measure the banking stability more appropriate and to develop a proper early warning system for Islamic banking industry.

Maximization of Economic Cooperation among Moslem Countries and the Urgency of “Islamic Common Market” Mohammad B.Hendrie Anto
Jurnal Iqtisad Vol. 4 No. 2 (2003): English Version
Publisher : Jurnal Iqtisad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iqtisad.vol4.iss2.art6

“O humankind! We have created you from male and female, and made you into nations and tribes that you may know one another. Verily, the most honorable of you with Allah is that (believer) who has at-taqwa” (al-Hu¬jurat: 13)

Persepsi Stakeholder terhadap Pelaksanaan Corporate Social Responsibility: Kasus pada Bank Syariah di DIY MB Hendrie Anto; Dwi Retno Astuti
Sinergi: Kajian Bisnis dan Manajemen Vol. 10 No. 1 (2008)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/js.v10i1.874

Corporate Social Responsibility (CSR) is now getting more attention not only from the stockholder but also stakeholder. CSR is considered as a natural consequence of the existence of company in their society in order to maintain their profit in the long term. So, the benefit of CSR would be back to the company itself. In the perspective of Islamic bank, CSR is embedded in the ground of Islamic teachings which look at business as an entity to create maslahah in the society. Profit is necessary, but not sufficient to justify Islamic business. This paper is aim to indentify the perception among stakeholders on CSR practiced by Islamic banks in Daerah Istimewa Yogyakarta. Kruskal Wallis Test, Mann Whitney U-Test, and content analysis are utilized to analyze the data from 116 respondents which is selected with purposive method. In general, the result shows that there is no difference perception among stakeholders on the benefit of CSR practiced by Islamic banks in terms of imej building and competitiveness enhancement. In addition, Islamic banks are supposed to be more socially responsible than the conventional one. Keywords: CSR, perception, stakeholder, maslahah

Telaah Pembangunan Ekonomi Indonesia Edy Suandi Hamid; MB Hendrie Anto
Economic Journal of Emerging Markets Vol. 2 No. 1 (1997)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v2i1.4240

Dalam tiga dasawarsa terakhir kinerja perekonomian Indonesia menunjukkanprestasi yang cukup mengagumkan, sehingga termasuk dalam High Performing Asia Economies (HPAEs). Namun demikian, masih terdapat beberapa masalah yang cukup pelik, seperti tingginya tingkat pengangguran, distribusi pendapatan yang semakin timpang, angka kemiskinan yang cukup besar, serta hutang luar negeri yang sampai pada "lampu merah". Dalam kancah internasional daya saing Indonesia menduduki posisi yang rendah, dan bahkan pada tahun 1996 cenderung turun. Kebijakan pemerintah untuk meningkatkan daya saing ekonomi selama ini sering kurang sistematis dan strategis, serta tidak konsisten. Masih rumitnya permasalahan ekonomi dalam negeri di satu sisi, dan tuntutan perdagangan bebas di sisi lain, telah menempatkan Indonesia pada posisi yang dilematis. Konflik antara kepentingan pemerataan dengan pertumbuhan, kepentingan domestik dan internasional merupakan contoh dilema yang tak mudah dipecahkan. Dibutuhkan suatu tekad yang kuat serta usaha yang konsisten dengan disertai kebijakan strategis untuk dapat survive di masadepan.

Beberapa isu dalam pembangunan di sektor energi Faried W Mansoer; MB Hendrie Anto
Economic Journal of Emerging Markets Volume 7, 1996
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v7i1.6671

Selama 50 tahun kemerdekaannya secara umum pembangunan ekonomi Indonesia telah banyak menghasilkan perbaikan kesejahteraan rakyat, meskipun masih terdapat banyak kelemahan pula. Jika disederhanakan maka pembangunan ekonomi Indonesia pada pokoknya bertumpu pada tiga hal, yaitu:Penyediaan dan pengembangan sumber daya manusia dilakukan pemerintah dengan pembangunan di sektor pendidikan, baik formal maupun informal.

Dampak liberalisasi finansial Indonesia dan Korea Selatan terhadap perekonomian: Sebuah studi komparasi M. B. Hendrie Anto
Economic Journal of Emerging Markets Vol 5, No 1 (2000)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v5i1.6902

Economy recovery in Indonesia is a little slower than that of Korea. One important factor of the problem is the condition of financial sectors where the financial sector in Korea is healthier than that of Indonesia. Theoretically, there is a controversy of contribution the financial sector on economy.

Faktor-faktor yang mempengaruhi defisit transaksi berjalan Indonesia periode 1971-1999 Edy Suandi Hamid; Nur Feriyanto; M. B. Hendrie Anto
Economic Journal of Emerging Markets Vol 6, No 2 (2001)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v6i2.6990

Deficit of current account is a common phenomenon that happens in developing countries, as well as in Indonesia. Since 1960, Indonesia always faced Deficit of current account, except in some years (1974, 1979, and 1980). Although sometimes Deficit of current account is covered by surplus of capital flow, it still gives burden to neraca Pembayaran Indonesia.

Islamic banks credit risk performance for home financing: Before and during Covid-19 pandemic MB Hendrie Anto; Faaza Fakhrunnas; Yunice Karina Tumewang
Economic Journal of Emerging Markets Volume 14 Issue 1, 2022
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol14.iss1.art9

Purpose ― This study aims to assess the home financing credit risk performed by Islamic banks in Indonesia. Methods ― A panel dynamic analysis is adopted to measure the bad loan performance before and during the Covid-19 pandemic. The observation period started from January 2016 to September 2020 with 1,881 observation periods of monthly panel data from the province level. Findings ― The study finds a difference in bad loan performance before and during the Covid-19 pandemic. Before this pandemic, inflation has a positive and significant influence on non-performing financing in real estate, rental business, and company service. However, during the Covid-19 pandemic, a substantial and positive effect of inflation is found on the bad loan for personal flat and apartment ownership. On the other hand, a significant and negative impact of inflation is found on the bad home loan for personal business shop ownership. Implication ― This analysis could trigger the government to provide financial assistance for those affected by the Covid-19 crisis. In addition to that, an Islamic bank is also expected to give financing allowances for them by providing an option of debt restructuration and rescheduling. Originality ― This paper analyses the Islamic bank’s credit risk performance for home financing before and during the Covid-19 pandemic. This issue has not been presented in the literature to the best of our knowledge.

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