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Karsinah Karsinah
Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Negeri Semarang
Economics, Econometrics & Finance

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Journal : Economic Development Analysis Journal

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Analisis Determinan Pangsa Pasar Bank Syariah dengan Kinerja Bank Syariah di Indonesia Periode 2011-2016 Sani Noor Rohman; Karsinah Karsinah
Economics Development Analysis Journal Vol 5 No 2 (2016): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v5i2.22026

Abstract

Tujuan penelitian ini adalah melihat respon guncangan, dan kontribusi kinerja bank syariah dengan pangsa pasar. Program Akselerasi Pengembangan Perbankan Syariah (PAPBS) Indonesia menargetkan pangsa pasar bank syariah pada tahun 2008 adalah sebesar 5 %. Sedangkan pada tahun 2015 mencapai pangsa pasar perbankan syariah sebesar 15 %. Namun pada akhir tahun 2016 pangsa pasar masih berada pada 5,29%. Variabel penelitianya adalah Market Share (Pangsa Pasar) dengan Biaya Operasional dan Pembiayaan Operasional (BOPO), Capital Adequacy Ratio (CAR), Return Of Asset (ROA), Finance To Deposte Ratio (FDR), Non Performing Finance (NPF). Hasil analisis penelitian ini, Kinerja bank syariah menunjukkan Pangsa pasar bank syariah merespon positif terhadap varaiabel BOPO, CAR, ROA dan FDR, sedangkan variabel NPF merespon negatif, sedangkan uji Variance Decomposition variabel ROA memiliki kontribusi lebih besar dibandngkan Variabel BOPO, CAR, FDR,dan NPF. The purpose of this research is to see the relationship, shock response, and contribution of syariah bank performance with market share. The Indonesia Islamic Banking Development Acceleration Program (PAPBS) targets the market share of shariah banks in 2008 amounted to 5%. While in the year 2015 is to achieve sharia banking market share of 15%. But by the end of 2016 the market share is still at 5.29%. The research variables are Market Share with Operational Cost and Operational Financing (BOPO), Capital Adiquacy Ratio (CAR), Return Of Assets (ROA), Finance To Deposte Ratio (FDR), Non Performing Finance (NPF). The method used VAR (Vector Auto Regretion) which theoretically does not occur relationship between variables with VAR In Difference model.. Result of research is The performance of shariah banks shows that the market share of shariah banks responds positively to BOPO, CAR, ROA and FDR variables, whereas NPF variable responds negatively, while the Variance Decomposition variable of ROA has bigger contribution than BOPO, CAR, FDR, and NPF variables
Mekanisme Transmisi Kebijakan Moneter dalam Mempengaruhi Inflasi dan Pertumbuhan Ekonomi di Indonesia Rifky Yudi Setiawan; Karsinah Karsinah
Economics Development Analysis Journal Vol 5 No 4 (2016): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v5i4.22183

Abstract

Sejak dikeluarkannya UU Bank Indonesia yang baru tahun 1999, Bank Indonesia telah diberi amanah sebagai otoritas moneter ganda yang dapat menjalankan kebijakan moneter konvensional maupun syariah. Sejak saat itu perbankan dan keuangan syariah berkembang pesat.Penelitian ini bertujuan untuk melihat alur transmisi kebijakan moneter dari sisi konvensional dan syariah dalam mempengaruhi inflasi dan pertumbuhan ekonomi, yang kemudian membandingkan keduanya. Hasil penelitian menunjukkan jalur konvensional memiliki alur sesuai dengan teori transmisi kebijakan moneter yang ada hingga mempengaruhi inflasi dan pertumbuhan ekonomi, sedangkan jalur syariah belum mempunyai alur yang sesuai dengan teori kebijakan moneter yang ada. Berdasarkan hasil VECM variabel syariah dapat menurunkan laju inflasi dan meningkatkan pertumbuhan ekonomi, sedangkan variabel konvensional dapat menurunkan laju inflasi akan tetapi menahan laju pertumbuhan ekonomi. Kemudian berdasarkan hasil FEVD jalur konvensional lebih berpengaruh dalam mengendalikan pertumbuhan ekonomi dan inflasi dengan masing-masing kontribusi sebesar 50,5% dan 19,97%, sedangkan jalur syariah masing-masing sebesar 29,07%. dan 19,47%. Since New Banking Act in 1998, Indonesia has implemented a dual banking system, where conventional and Islamic banks can operate side by side throughout Indonesia. With the implementation of Bank of Indonesia’s Act in 1999, Bank of Indonesia has a dual mandate to conduct both conventional and Islamic monetary policies. Since then, the Islamic banking and finance has been growing rapidly. The aim of this study is to see how transmission channel of monetary policy from side of conventional and Sharia channel to Influence Inflation and Economic Growth compare them both. The results showed the conventional channel is worked according to the theory of transmission mechanism of monetary policy that affect the final target inflation and economic growth, whereas Sharia channel does not worked according to the monetary policy. Based on the results of VECM on Sharia channel variable can reduce the inflation and increase the economic growth at the same time, while the variable of conventional channel can reduce the inflation but also reduce the economic growth at the same time. Then based on the results of FEVD conventional channel is more effective in controlling the economic growth and the inflation with contribution of 50.5% and 19.97%. while the Islamic bank financing channel with contribution of 29.07% and 19.47%.
Analysis of Potentiality and Projection of Market Service Levy Revenue in Semarang Regency Evi Fatmawati; Karsinah Karsinah
Economics Development Analysis Journal Vol 6 No 2 (2017): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v6i2.22212

Abstract

Market service levy is a kind of public service levy that is potential enough because Semarang Regency manages the levies from 33 traditional markets every day. The objective of this research is to analyze the potentiality of market service levy revenue in Semarang Regency in 2011-2015 and to find out the projection of market service levy in 2016-2010. This research uses the analysis of contribution, the analysis of growth, the analysis of potentiality, and the analysis of ARIMA (2,1,2) (Auto Regressive Integrated Moving Average). The results of this research show as follows: (1) the contribution of market service levy to the regional levy and PAD (the own-source revenue) is in the insufficient and very insufficient category, (2) the growth of market service levy is fluctuating, (3) the market service levy revenue has not based on the potentiality yet, (4) the target of market service levy is under the potentiality, and (5) the projection of market levy revenue will increase in the next five years. The researcher suggested that the target setting should be based on the potentiality and the quality of market service should be improved, so that those may increase the contribution of market service levy to PAD.
Analisis Faktor Penentu Keputusan Tinggal Masyarakat Kelurahan Karangroto di Rusunawa Akhmad Anggi Asfani; Karsinah Karsinah
Economics Development Analysis Journal Vol 7 No 2 (2018): Economics Development Analysis Journal
Publisher : Economics Development Department, Universitas Negeri Semarang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/edaj.v8i2.23413

Abstract

Rusunawa adalah program dari pemerintah untuk mengurangi jumlah angka kekurangan rumah (backlog). Tujuan dari penelitian ini adalah menganalisis besar peluang faktor harga sewa, pendapatan keluarga, jumlah anggota keluarga, kualitas bangunan, lingkungan rusunawa, dan jarak tempat kerja terhadap keputusan tinggal masyarakat Kelurahan Karangroto di Rusunawa. Penelitian ini berlokasi di Kelurahan Karangroto, Kecamatan Genuk, Kota Semarang. Penelitian ini menggunakan metode teknik acak proporsional yang mengambil dari 1360 populasi diambil sejumlah 99 responden untuk diteliti. Metode analisis yang digunakan adalah analisis deskriptif kualitatif dan deskriptif kuantitatif menggunakan alat analisis regresi binary logistik. Kesimpulan dari penelitian ini adalah faktor-faktor yang mempengaruhi keputusan tinggal masyarakat Karangroto yaitu pendapatan keluarga, kualitas bangunan, lingkungan rusunawa dan jarak tempat kerja. Besarnya probabilitas dari masing-masing faktor yang berpengaruh adalah faktor pendapatan keluarga dengan nilai odds rasio sebesar 0,765. Faktor kualitas bangunan dengan nilai probabilitas odds rasio sebesar 79,810. Faktor lingkungan rusunawa dengan nilai probabilitas odds rasio sebesar 23,035. Faktor jarak tempat kerja dengan nilai probabilitas odds rasio sebesar 1,242. Low-income housing is a government program for decreasing the number of housing shortages (backlog). The goal of this research is for analyzing how many the factors of rental costs, family income, and family member, building quality, the environment and the distance of workplace influence the decision of people in Karangroto to stay in low-income housing. This research was done in Karangroto village, Genuk district, and Semarang city. The method of proportional random technique was used in this research which took 99 respondents of 1360 population. Analyzing method which was used is qualitative descriptive analysis and quantitative descriptive by using logistic binary regression tools. The conclusion of this research is that the factors which influence people of Karangroto to stay in low-income housing are family income, building quality, its environment, and the distance of workplace. The probability magnitude of each factor which mostly influenced is family income by the ratio odds 0,765. Factors of building quality have probability of odds ratio 79.810. Environment factors of low-income housing have the probability of odds ratio 23.035. Then, factors of the distance of workplace have its probability odds ratio 1.242.
Co-Authors Akhmad Anggi Asfani Evi Fatmawati Rifky Yudi Setiawan Sani Noor Rohman