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All Journal Ihtifaz: Journal of Islamic Economics, Finance, and Banking Journal of Aswaja and Islamic Economics
Sunu Prasetya Adi
Universitas Ahmad Dahlan
Religion Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Library & Information Science Social Sciences

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Islamic Microfinance Institution Assistance Model in the Covid-19 Pandemic Riduwan; Norma Sari; Sunu Prasetya Adi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 5 No. 2 (2022)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v5i2.7262

Abstract

Introduction: Sharia Microfinance Institutions in the form of Baitul Mal wa Tamwil (BMT) is a form of financial inclusion that plays an important role in the development of micro and small businesses. Its main activity is to raise member funds in the form of deposits and redistribute them in the form of microfinance. During the covid 19 era, almost all of its members were affected, causing operational disruptions. Purpose: This study aims to analyze the impact of covid 19 on BMT and members as well as the social assistance model carried out until December 2021. Methodology: Determination of the sample using porpusive sampling with respondents as many as 43 BMT spread across Sumatra, Java and Sulawesi. The three islands were chosen because they became the center of BMT's growth.  The data collection method uses google form, while the data analysis uses qualitative descriptive analysis. Findings: The results of the analysis show that covid 19 has a direct impact on BMT's performance by an average of 8.4%, in the form of a decrease in financing installments, deposits and profits as well as an increase in non-performing financing. Although BMT's performance has decreased, its social role has increased in the form of social assistance, such as relaxation of financing, member education and facilitation of marketing of member products through social media, and the provision of basic social assistance.
PEMBIAYAAN SYARIAH DAN PROFITABILITAS PADA BANK BPD SYARIAH DI INDONESIA: PENDEKATAN DATA PANEL DENGAN ROBUSTNESS CHECK: SHARIA FINANCING AND PROFITABILITY IN SYARIAH BPD BANKS IN INDONESIA: A PANEL DATA APPROACH WITH ROBUSTNESS CHECK Rofiul Wahyudi; Ferry Khusnul Mubarok; Sunu Prasetya Adi
JASIE Vol. 4 No. 2 (2025): DESEMBER
Publisher : Universitas Wahid Hasyim Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31942/jse.v4i02.14903

Abstract

Penelitian ini bertujuan menganalisis pengaruh pembiayaan mudharabah, musyarakah, murabahah, dan ijarah terhadap profitabilitas BPD Syariah di Indonesia. Penelitian ini menggunakan pendekatan kuantitatif berbasis balanced panel data yang mencakup lima BPD Syariah selama periode 2016–2024. Profitabilitas diukur menggunakan Return on Assets (ROA) dan Return on Equity (ROE), sementara variabel independen terdiri dari pembiayaan mudharabah, musyarakah, murabahah, dan ijarah. Estimasi dilakukan menggunakan pooled ordinary least squares (pooled OLS) dengan robust standard errors (HC3) untuk mengatasi heteroskedastisitas dan potensi pelanggaran asumsi klasik. Analisis deskriptif dan uji diagnostik turut dilakukan untuk memastikan kelayakan model. Hasil penelitian menunjukkan bahwa pembiayaan mudharabah berpengaruh positif terhadap ROA dengan signifikansi marginal pada tingkat 10%, sedangkan musyarakah menunjukkan pengaruh negatif yang juga signifikan pada level 10%. Pembiayaan murabahah dan ijarah tidak memiliki pengaruh signifikan terhadap ROA. Pada model ROE, seluruh jenis pembiayaan syariah tidak menunjukkan pengaruh yang signifikan. Temuan ini mengindikasikan bahwa struktur pembiayaan syariah, khususnya akad mudharabah dan musyarakah, memiliki hubungan yang lebih nyata terhadap profitabilitas aset dibandingkan profitabilitas ekuitas. Hasil penelitian menunjukkan bahwa BPD Syariah perlu memperkuat pengelolaan pembiayaan bagi hasil, terutama mudharabah, karena terbukti lebih berpotensi meningkatkan profitabilitas. Pengawasan pada musyarakah perlu ditingkatkan mengingat kecenderungan pengaruhnya yang negatif, sedangkan strategi margin dan efisiensi pada murabahah dan ijarah perlu dioptimalkan agar lebih mendukung kinerja bank.
Co-Authors Mubarok, Ferry Khusnul Norma Sari Riduwan Rofiul Wahyudi