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Factors Influencing Non-Performing Financing (NPF) at Sharia Banking Effendi, Jaenal; Thiarany, Usy; Nursyamsiah, Tita
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 25, No 1 (2017)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.25.1.1540

The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly data from first quarter of 2012 until third quarter 2016. The method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.Risiko pembiayaan adalah risiko yang disebabkan oleh adanya kegagalan nasabah dalam memenuhi kewajibannya. Non- Performing Financing (NPF) merupakan representasi dari risiko pembiayaan yang disalurkan dan berdampak langsung pada profitabilitas perbankan. Nilai NPF yang cenderung meningkat setiap tahunnya dengan nilai yang sudah mendekati batas maksimum yang telah ditetapkan oleh Bank Indonesia yaitu sebesar 5 persen dapat menyebabkan inefisiensi perbankan dan dalam jangka panjang akan berdampak pada kelangsungan bank. Maka dari itu, analisis faktor-faktor NPF perlu ditinjau sebagai upaya pencegahan dan untuk mengendalikan risiko dari kegiatan usaha. Penelitian ini menganalisis faktor-faktor yang memengaruhi NPF pada Bank Umum Syariah (BUS) dengan menggunakan data kuartal dari kuartal I 2012 hingga kuartal III 2016. Metode yang digunakan dalam penelitian ini adalah analisis data panel. Hasil analisis menunjukkan bahwa faktor-faktor yang memengaruhi NPF secara negatif dan signifikan adalah RR, ROA, inflasi, CAR dan Bank size sedangkan GDP dan BOPO berpengaruh positif signifikan.

DETERMINANT FACTORS MOTIVATED WAQIF TO DONATE WAQF Jazil, Thuba; Rofifah, Safirah; Nursyamsiah, Tita
El-Barka: Journal of Islamic Economics and Business Vol 2, No 2 (2019)
Publisher : IAIN Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v2i2.1733

Abstract: This study aimed to investigate the waqf motivation in carrying out waqf in Bogor City. Primary data and questionnaire techniques were used by distributing to 103 waqif respondents. Factors were grouped into 2 categories, internal and external. Internal factors were religiosity, waqf literacy, trustworthiness in waqf institutions, income & wealth. Meanwhile, external factors included performance efficiency, tax incentives, the role of government, and the role of scholars. The method used was path analysis for internal factors and multiple linear regression analysis for external factors using SPSS 21. The results showed that waqf literacy and trustworthiness affected religiosity and also to waqf motivation while income & wealth had no effect. The role of government and the role of scholars had a significant positive impact on waqf motivation, but the performance efficiency of the institution and tax incentive had no significant effect. ??????: ???? ??? ??????? ??? ????? ????? ????? ?? ????? ????? ?? ????? ?????. ?? ??????? ?????? ???????? ??????? ?????????? ?? ???? ????? ?? ??? ??? 103 ?? ??????? ??????. ?? ????? ??????? ?? ?????? ?????? ???????. ??????? ???????? ?? ??????? ???? ?????? ??????? ? ???????? ?????? ?? ?????? ?????? ?????? ???????. ??? ??? ?????? ???? ??????? ???????? ????? ??????? ???????? ????????? ???? ???????? ???? ???????. ???? ??????? ????????? ?? ????? ?????? ??????? ???????? ?????? ???????? ????? ??????? ??????? ???????? ???????? SPSS 21. ?????? ??????? ?? ??? ?????? ??????? ???????? ?????? ???? ??? ?????? ?????? ??? ???? ????? ?? ??? ?? ????? ??????? ?? ??? ???? ?????. ??? ????? ??? ??????? ???? ??????? ????? ?????? ???? ??? ???? ?????? ???? ???? ????? ???? ??????? ???????? ???????? ??? ???? ????? ????. Abstrak: Penelitian ini bertujuan menginvestigasi motivasi wakif dalam menunaikan wakaf di Kota Bogor. Data primer dan teknik kuesioner digunakan dengan disebarkan kepada 103 responden wakif. Faktor dikelompokkan menjadi 2 kategori, internal dan eksternal. Faktor Internal yaitu religiositas, literasi wakaf, Kepercayaan terhadap lembaga wakaf, pendapatan & kekayaan. Sedangkan, Faktor eksternal diantaranya efisiensi kinerja, insentif pajak, peran pemerintah, dan peran ulama. Metode yang digunakan adalah analisis jalur (path) untuk faktor internal dan analisis regresi linier berganda untuk faktor eksternal menggunakan SPSS 21. Hasil penelitian menunjukkan bahwa literasi wakaf dan kepercayaan berpengaruh terhadap religiositas dan juga ke motivasi wakaf sedang pendapatan dan kekayaan tidak berpengaruh. Faktor peran pemerintah dan peran ulama berpengaruh positif signifikan terhadap motivasi wakaf, akan tetapi efisiensi kinerja lembaga dan faktor insentif pajak tidak berpengaruh secara signifikan.

The Effectiveness of Islamic Microfinance Distribution on Microbusiness Owner’s Poverty Alleviation (Case Study: BMT Bina Masyarakat Purworejo) AGENG PRASETYO; JAENAL EFFENDI; TITA NURSYAMSIAH
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 14, No 1: June 2018
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/AIIJIS.2018.0078.1-26

The objective of the study is to analyze the effectiveness of Islamic microfinance distri- bution and its impact on microbusiness owners’ poverty alleviation in Purworejo. This study used descriptive analysis method that is Likert scale and ordinary least square method (OLS) to analyze the influence of Islamic Microfinance Institution’s financing to microbusiness performance. The impact on the poverty alleviation is indicated by the change of microbusiness owners’ income. The results indicate that Islamic micro-financing is con- sidered to be effective in several aspects, they are proposal aspect, disbursement aspect, utilization aspect, and pay-back aspect of financing. In addition, Islamic microfinance has a positive impact on microbusiness performance and poverty alleviation.

STRENGTHENING THE ROLE OF ISLAMIC PAWNSHOP IN ISLAMIC FINANCING FOR MSMES: ANP APPROACH Lydia Edgina; Thuba Jazil; Tita Nursyamsiah
Tazkia Islamic Finance and Business Review Vol. 10 No. 1 (2016)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v10i1.105

Objectives: aims to strengthen the role of Islamic pawnshop in financing for Micro Small & Medium EnterprisesMethods: analytic network process (ANP) approachResults: the main problem of Islamic pawnshop in expansion was its internal. The most priority was on socialization through promotion and advertisement. The appropriate strategy to be executed was marketing strategy to expand Ar-Rum product (financing for MSMEs) through sales marketing.Conclusion: the considered action was massive socialization to the societies using effective and efficient marketing strategy.

Macroeconomic Determinants of Islamic Banking Financing Tita Nursyamsiah
Tazkia Islamic Finance and Business Review Vol. 11 No. 2 (2017)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v11i2.136

The purpose of this study is to analyze the relationship between Islamic banking financing and macroeconomic variables as well as its response to key economic variables including real output, price level, interest rate and trade for the case of Indonesia. This research uses time series econometric analysis such as Granger Causality and Vector Error Correction Model (VECM). Time series data used are total Islamic banking financing, industrial production index (IPI), customer price index (CPI), Certificate Bank Indonesia (SBI) rate and international trade. The results show that there is bi-directional relationship between Islamic banking financing and price level as well as Islamic banking financing and interest rate. Meanwhile, the uni directional causality occurs between Islamic banking financing and real output as well as Islamic banking financing and trade. In this case, Islamic banking financing is affected by IPI. Islamic banking financing is not affected by trade but trade is significantly affected by Islamic banking financing. In addition, Islamic banking financing is relatively sensitive to the shock of price level, real output and interest rate.

Factors Influencing Non-Performing Financing (NPF) at Sharia Banking Jaenal Effendi; Usy Thiarany; Tita Nursyamsiah
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 25, No 1 (2017)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.25.1.1540

The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly data from first quarter of 2012 until third quarter 2016. The method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.

Faktor-faktor yang Memengaruhi Tingkat Non Performing Financing dan Non Performing Loan pada Dual Banking System di Indonesia Fathyah Isnaini; Sahara Sahara; Tita Nursyamsiah
AL-MUZARA'AH Vol. 7 No. 1 (2019): AL-MUZARA'AH (June 2019)
Publisher : Department of Islamic Economics, IPB University

The value of non-performing financing Islamic banks in Indonesia based on OJK data on 2017 at 4.76%, which is greater than the percentage of non-performing loans in conventional banks at 2.59%, then that’s make a question why the percentage of Islamic banks is greater and what factors influence it. Data retrieval research is sourced from quarterly financial reports in the first quarter of 2012 to the third quarter of 2017 as many as 10 Islamic banks and 10 conventional commercial banks. This study aims to analyze the factors that affect the level of non-performing finance (NPF) and non-performing loans (NPL) in dual banking system Indonesia. Variable independent in this research are the growth of gross domestic product (GDP), inflation, BI rate, return on assets (ROA), financing to deposit ratio (FDR)/loan to deposit ratio (LDR), capital adequacy ratio (CAR), operating expenses on operating income (BOPO), and total assets while the dependent variable is NPF and NPL. The analytical method used to test the hypothesis is by panel regression analysis. The results of this study indicate that the sharia commercial banks have a significant influence on NPF including GDP, inflation, CAR, ROA, FDR, and BOPO. In conventional commercial banks significant factors include GDP, inflation, BI rate, CAR, LDR, BOPO, and total assets.

Factors Affecting Waqif’s Decision in Selecting Productive Waqf (Case Study at Dompet Dhuafa Republika) Nurlaila Mahdiah; Neneng Hasanah; Tita Nursyamsiah
AL-MUZARA'AH Vol. 7 No. 2 (2019): AL-MUZARA'AH (December 2019)
Publisher : Department of Islamic Economics, IPB University

Indonesia as a country with largest Muslim population in the world has potentials in utilizing its Islamic philanthropy source of funds to alleviate social and economic problems in society, one is through waqf. Waqf that is managed productively has proven its positive contribution to the advancement of a country. However, the collecting of waqf fund is still dominated by direct waqf (non-productive) based on the instruction a waqif gave. This shows that the majority of waqif prefers direct waqf (non-productive) to productive one. Therefore, the purpose of this study is to analyze the factors that affect waqif’s decision in selecting productive waqf. Data collection is done by the questionnaires given to the respondents. The respondents are 65 waqif at Dompet Dhuafa Republika. The method used in this study is descriptive analysis and logit regression. The result shows that waqif’s decision in selecting productive waqf is affected by their comprehension on productive waqf, age, subjective norm, and marital status.

Pengembangan Sumberdaya Wilayah Untuk Meningkatkan Ekonomi Desa Narimbang Ananda Diah Oktaviani; Valyanisa Byzzanthi; Tita Nursyamsiah
Jurnal Pusat Inovasi Masyarakat (PIM) Vol. 2 No. 3 (2020): Juni 2020
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (341.388 KB)

Utilization of natural resources in daily life for the welfare of mankind is not accompanied by the management and reuse of natural resources that have been wasted such as the presence of plastic waste, the presence of organic waste and others. Vertical garden is included in the form of indirect recycling of plastic bottle waste problem which means the use of used plastic bottles as the main component in the manufacturing of vertical garden. There are two activities carried out by the creation of vertical garden and activities Narimbang Youth Camp (NYC). A series of activities conducted in the form of socialization about garbage, family medicinal plants, how to create vertical garden and plant crops. Narimbang Youth Camp (NYC) is a socialization program about the importance of having an entrepreneurial spirit, creative thinking, and knowledge of digital marketing. Key words: Digital, natural resources, organic trash

Pengembangan Usaha Mikro Kecil dan Menengah (UMKM) dengan Program Pemasaran Desa Jambu Raya di Desa Jambu, Kabupaten Sumedang Alifah Fidela; Aprinaldi Pratama; Tita Nursyamsiah
Jurnal Pusat Inovasi Masyarakat (PIM) Vol. 2 No. 3 (2020): Juni 2020
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Pertanian Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (397.342 KB)

Micro, small and medium enterprises (MSME) are proving to contribute to the Indonesian economy. SMEs play an important role in national development, i.e. labor absorption, equity equality, rural economic development, non-oil exports, and the increase of gross domestic product (GDP). The problems often experienced by SMEs are the limitation of working capital, the capacity of human resources is very low and Minimnnya mastery of science and technology that generally affects the prospect of unclear business. Therefore, the socialization of SMEs is given that the business is able to survive in the market and develop better by paying attention to product, place, promotion, and price of the products offered. Keywords: capital, gross domestic product, micro small and medium enterprises, resources

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