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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Walisongo: Jurnal Penelitian Sosial Keagamaan Falah : Jurnal Ekonomi Syariah Tazkia Islamic Finance and Business Review Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam Iqtishoduna: Jurnal Ekonomi Islam El-Barka: Journal of Islamic Economics and Business Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Pusat Inovasi Masyarakat Halal Studies and Society
Tita Nursyamsiah, Tita
Departement Of Islamic Economics, Faculty Of Economic And Management, Institut Pertanian Bogor
Religion Agriculture, Biological Sciences & Forestry Humanities Biochemistry, Genetics & Molecular Biology Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Al-Muzara'ah

 1 
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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.408 KB) | DOI: 10.29244/jam.7.1.47-59

Abstract

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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (430.083 KB) | DOI: 10.29244/jam.7.2.27-39

Abstract

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.
Strategi Pengembangan Bank Pembiayaan Rakyat Syariah di Indonesia Anisa Dwi Utami; Lukman M Baga; Rahmat Yanuar; Tita Nursyamsiah; Busaid; Yekti Mahanani
AL-MUZARA'AH Vol. 11 No. 1 (2023): AL-MUZARA'AH (June 2023)
Publisher : Department of Islamic Economics, IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29244/jam.11.1.47-61

Abstract

The business growth of Islamic rural Bank (BPRS) in Indonesia is higher than conventional rural bank, meanwhile it has the lower market share. One of the reasons could be the intense competition faced by Islamic rural banks with another islamic finance institution such as baitul maal wat tamwil (BMT) and islamic commercial banks which have also penetrated into the MSME segment. It makes islamic rural banks are often called having middle child syndrome, which have no speciality in facing the markets. This study aims to identify the strategy to develop and deep the market of islamic rural banks in Indonesia. This study was conducted using primary data through interview and focus group discussion (FGD) and SWOT. The methods used are business model canvass (BMC) and SWOT. The results of this study identified five key factors that play an important role in the development of the BPRS industry, namely 1) capital factor, 2) human resource (HR) factor, 3) information technology infrastructure factor, 4) business model, and 5) regulatory aspect.
Co-Authors AGENG PRASETYO Alhaq, Khairanisa Alifah Fidela Ananda Diah Oktaviani Anisa Dwi Utami Annisa, Nadya Nur Aprinaldi Pratama Busaid Fadhila Meithasari Nurtjahjo Fathyah Isnaini Hasanah, Qoriatul Irfan Syauqi Beik JAENAL EFFENDI Khairanisa Alhaq Khalifah Muhamad Ali Lukman M Baga Lukman M. Baga Lydia Edgina Mahanani, Yekti Marhamah Muthohharoh Maudy Susanti Mayang Indi Genousa Mohammad Iqbal Irfany Muthohharoh, Marhamah Nasyafira, Hanifah Zahra Neneng Hasanah Nurlaila Mahdiah Qoriatul Hasanah R. Sapto Hendri Boedi Soesatyo Rahmat Yanuar Ranti Wiliasih Rofifah, Safirah Rosadi, Chodijah Puteri Shinta Marbella Christine Syahida Rohmah, Naila Thiarany, Usy Thuba Jazil Thuba Jazil Tilova, Tari Yulia Usy Thiarany Valyanisa Byzzanthi Yekti Mahanani