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All Journal EQUILIBRIUM Ikonomika : Jurnal Ekonomi dan Bisnis Islam Economica: Jurnal Ekonomi Islam International Journal of Islamic Economics and Finance (IJIEF) EKONOMIS : Journal of Economics and Business Journal of Islamic Monetary Economics and Finance Pena Justisia: Media Komunikasi dan Kajian Hukum Milkiyah: Jurnal Hukum Ekonomi Syariah Journal of Accounting Research, Organization and Economics (JAROE) Al-Muhasib: Journal of Islamic Accounting and Finance TAMKIN Jurnal Pengabdian Masyarakat
Yaser Taufik Syamlan, Yaser Taufik
STEI Tazkia
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Analyzing the Volatility of Non-Core Deposits in Indonesian Islamic Banks: Sharia Restricted Intermediaries Accounts (SRIA) as Stabilizer? Syamlan, Yaser Taufik; Rahman, Herdi Almadiptha
Journal of Accounting Research, Organization and Economics Vol 6, No 3 (2023): JAROE Vol. 6 No. 3 December 2023
Publisher : Universitas Syiah Kuala

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24815/jaroe.v6i3.34618

Abstract

Objective This research delves into the causes of Non-Core Deposit by applying the Austrian Business Cycle Theory (ABCT) in the case of Islamic Bank. To examine it. This paper is using some internal and external factors in exploring the volatility of Non-Core Deposit in Islamic Bank for both Full-Fledged and Islamic Window Bank. Furthermore, this paper also proposes the future model of Islamic bank using new product namely Sharia Restricted Intermediaries Account (SRIA)Design/methodology The study centers on core deposits as the dependent variable, drawing data from the Indonesian Financial Service Authority and Central Bank of Indonesia websites spanning from June 2014 onwards. This study uses internal variables which are Third-Party Fund, Cost of fund, and Vostro while Conventional Interest Rate and Bank Indonesia Rate as external variables as the independent variable. Methodologically, Vector Auto Regression (VAR) and Vector Error Correction Model (VECM). To propose the future model, this paper do the descriptive analysis.Results The Total Third-Party Funds and Cost of Fund of Conventional Banks exerting significant negative effects to Non-Core Deposit. As a solution, a two-stage implementation plan is proposed: in the short term, separating funds based on purpose and introducing guarantees, while in the long term, introducing Sharia Restricted Intermediaries Account (SRIA) without LPS guarantees to promote stability and risk sharing.Research limitations/implications Understanding the dynamics and future model by all stakeholders can aid in the formulation of policies aimed at fostering a stable and resilient Islamic banking sector. Banks, particularly Islamic banks, can leverage the insights gained from this research to enhance risk management strategies and future innovative products.Novelty/Originality This paper innovatively applies the Austrian Business Cycle Theory to investigate irregular deposits and bank runs in Islamic banks. The finding informs a two-stage plan for stability, aiding policy and risk management.
Persepsi Muslim Jabodetabek Mengenai Uang Elektronik (UNIK) terhadap Minat Menggunakan Aplikasi Unik Berbasis Server Aisy, Raudhah Rohadatul; Syamlan, Yaser Taufik
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 2 No. 2 (2022)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v2i2.279

Abstract

Teknologi semakin berkembang seiring dengaan perkembangan zaman, inovasi tersebut sudah merambat kedalam perekonomian yakni dalam bidang keuangan. Namun dalam perkembangan ini tidak luput dari timbulnya risiko, cara menghadapinya dilakukan dengan cara yang berbeda tergantung pada persepsi setiap individu. Penelitian ini bertujuan untuk mengetahui pengaruh antara persepsi syariah, persepsi atribut produk, dan persepsi risiko terhadap minat menggunakan aplikasi uang elektronik berbasis server. Metode pengumpulan data yang digunakan dalam penelitian ini adalah dengan menyebarkan kuesioner kepada responden. Populasi yang digunakan dalam penelitian ini sebanyak 27.025.316 orang dengan karakteristik masyarakat muslim pengguna aplikasi uang elektroni berbasis server. Sampel dalam penelitian ini berjumlah 400 responden dengan teknik pengambilan sampel berdasarkan cluster sampling. Dengan menggunakan path analysis hasil penelitian menunjukkan bahwa tingkat persepsi syariah berpengaruh negatif dan tidak signifikan terhadap minat menggunakan aplikasi uang elektronik berbasis server. Pengaruh persepsi atribut produk dan persepsi risiko berpengaruh positif dan signifikan terhadap minat menggunakan aplikasi uang elektronik berbasis server. Kemudian pengaruh persepsi syariah berpengaruh positif signifikan terhadap persepsi atribut produk dan persepsi risiko.
Co-Authors Aisy, Raudhah Rohadatul Asfiah, Asfa Azinuddin, Ar Rizal Easti, Reti Rahma Fajar, Riski Fajar, Riski Fitria Novianti Ihksan, Abdullah Khairul Istiana, Nur Muhammad Syafii Antonio Mursalmina Mursalmina Purba, Asnan Rahman, Herdi Almadiptha Sakinah Sakinah Wardatul Jannah, Wardatul