Article Per Year (5 Year)
p-Index From 2021 - 2026
1.235
P-Index
This Author published in this journals
All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Jurnal Ekonomi & Studi Pembangunan Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam International Journal Of Science, Technology & Management (IJSTM) Journal of Waqf and Islamic Economic Philanthropy Jurnal Ekonomi, Manajemen, Akuntansi
Sobar M. Johari
Universitas Muhammadiyah Yogyakarta
Aerospace Engineering Agriculture, Biological Sciences & Forestry Automotive Engineering Biochemistry, Genetics & Molecular Biology Chemical Engineering, Chemistry & Bioengineering Chemistry Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Earth & Planetary Sciences Economics, Econometrics & Finance Education Electrical & Electronics Engineering Energy Engineering Industrial & Manufacturing Engineering Mechanical Engineering Social Sciences Transportation

Published : 8 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 8 Documents
Search

 1 
Analisis Tingkat Literasi Keuangan Syariah Pada Penyandang Disabilitas di Daerah Istimewa Yogyakarta Johari, Sobar M; Ramadhania, Sabrina Ayu
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol 3 No 1 (2019): Juni
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (388.603 KB) | DOI: 10.22236/alurban_vol3/is2pp1-11

Abstract

This research purposes to know level of Islamic financial literacy on dibaility at Yogyakarta Region. The data is found by questionnaires method that is given to scavenger. Based on the data is found 100 respondents. The method that is used in this research is descriptive statistic analysis technique and Chi-Square analysis. There are 4 independent variable are gender, age, education, and Speanding. While, dependent variable is financial literacy in the knowledge and capability category. Based on the result test showed that scavenger in the integrated disability in Yogyakarta Region have level knowledge and capability financial literacy is in low category .Gender showed there is no difference while, age, education level, and speanding there are difference scavenger financial literacy in the disability, Yogyakarta Region.
Analisis Financial Crunch Pada Industri Perbankan Syariah Saat Krisis Keuangan Global 2008 Muhammad Sobar Johari
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 10, No 1: June 2014
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/aiijis.2014.0031.59-67

Abstract

Global financial crisis that happened in 2008 has affected banking world in Indonesia. This causes bank conducting more selective credit policy so that it can emerge credit crunch phenomenon. Credit crunch also possibly happens in sharia banking that are often called as financial crunch. This can be proven with a rapid third party capital growth but do not be accompanied by a significant credit growth. This study aims to analyze whether financial crunch has happened in sharia banking in Indonesia when global financial crisis in 2008 and to examine affecting factors of credit in sharia banking industry in Indonesia. The study generally shows that financial crunch do not happen in Indonesian sharia banking. It means that credit delivery of sharia banking is consistent between prior and after global financial crisis in 2008. Several factors that affect on credit delivery in sharia banking are third party capital collection, CAR, NPF, GDP and SWBI/SBIS. Third party capital, capital adequacy ratio (CAR) have a positive significant effect on sharia banking credit delivery, whereas non performing finance (NPF), gross domestic product and SWBI/SBIS have a negative effect on sharia banking credit. Keywords: credit crunch, financial crunch, third party capital, CAR, NPF, GDP and SWBI/SBIS.
Analisis Tingkat Literasi Keuangan Syariah Pada Penyandang Disabilitas di Daerah Istimewa Yogyakarta Sobar M Johari; Sabrina Ayu Ramadhania
Al-Urban: Jurnal Ekonomi Syariah dan Filantropi Islam Vol. 3 No. 1 (2019): Juni
Publisher : Universitas Muhammadiyah Prof. DR. HAMKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (388.603 KB) | DOI: 10.22236/alurban_vol3/is2pp1-11

Abstract

This research purposes to know level of Islamic financial literacy on dibaility at Yogyakarta Region. The data is found by questionnaires method that is given to scavenger. Based on the data is found 100 respondents. The method that is used in this research is descriptive statistic analysis technique and Chi-Square analysis. There are 4 independent variable are gender, age, education, and Speanding. While, dependent variable is financial literacy in the knowledge and capability category. Based on the result test showed that scavenger in the integrated disability in Yogyakarta Region have level knowledge and capability financial literacy is in low category .Gender showed there is no difference while, age, education level, and speanding there are difference scavenger financial literacy in the disability, Yogyakarta Region.
Pengaruh Bank Syariah Terhadap Perkembangan Perekonomian di Daerah Johari, Sobar M
Journal of Waqf and Islamic Economic Philanthropy Vol. 1 No. 3 (2024): May
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/wiep.v1i3.300

Abstract

Penelitian ini bertujuan untuk mengetahui hubungan kausalitas dan pengaruh jangka panjang perbankan syariah terhadap pertumbuhan ekonomi di Salah satu provinsi di Indonesia, Jawa Tengah. Variabel yang digunakan dalam penelitian ini adalah total pembiayaan sebagai proxy perbankan syariah, BI Rate (BIR), Inflasi (INF), Financing to Deposit Ratio dan Produk Domestik Regional Bruto (PDRB) sebagai proxy pertumbuhan ekonomi Jawa Tengah. Metode analisis yang digunakan adalah Granger Causality Test dan Vector Error Correction Model (VECM) selama periode 2014: Q1-2024:Q1. Hasil penelitian meunjukkan bahwa terdapat hubungan satu arah antara pertumbuhan ekonomi di Provinsi Jawa Tengah dengan perbankan syariah. Hal menarik juga dari hasil penelitian ini adalah bahwa perbankan syariah memiliki pengaruh jangka panjang terhadap pertumbuhan ekonomi di Provinsi Jawa Tengah. Dengan demikian posisi perbankan syariah sangat penting dalam memompa pertumbuhan ekonomi di Provinsi Jawa Tengah.
Reducing the provincial poverty rate in Indonesia: The impact of local government expenditure Nurias, Nurias; Johari, Sobar M; Muljarijadi, Bagja; Wardhana, Adhitya
Jurnal Ekonomi & Studi Pembangunan Vol 24, No 2: October 2023
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jesp.v24i2.18618

Abstract

This study seeks to examine the effect of local government expenditure on the improvement of provincial welfare in Indonesia. It is necessary to increase public capital such as basic infrastructure and public facilities, as well as to improve public services such as health, education, and social protection. Based on previous studies, research on government spending on poverty has a significant effect on poverty reduction, but some other studies are not the case, namely government spending has not been significant in reducing poverty and improving welfare. The data used in government expenditure is expenditure based on functions, particularly health, education, and social protection functions in the province, both district/city and provincial government expenditures obtained from the Directorate General of Financial Balance (DJPK), while the provincial poverty rate serves as a proxy for regional welfare. Over the period 2015-2021, the Fixed Effect model using the Generalized Least Square Estimation (GLSE) approach is used to estimate outcomes for 34 provinces in Indonesia. The results indicated that government expenditure on the health sector and education sector had a negative significant influence on reducing the poverty rate, whereas government expenditure on social protection did not. The control factors, such as economic growth, had a negative effect on poverty reduction in Indonesia, whereas the unemployment rate and informal labor in the agricultural sector had positive and significant effects. Government policies, especially government spending, have contributed well to reducing poverty, but the government should pay attention to the integration of spending programs with other programs.
Kontribusi Pembiayaan Modal Kerja Perbankan Syariah Terhadap Perkembangan UMKM di DIY Sobar M. Johari; Dewi Larasati; Eko Hariyadi
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 3 No. 4: Mei 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v3i4.3650

Abstract

Penelitian ini bertujuan untuk menganalisa kontribusi dan hubungan pembiayaan modal kerja perbankan syariah terhadap perkembangan UMKM di daerah di Indonesia. Indikator perkembangan UMKM yaitu variabel jumlah unit, tenaga kerja, dan omzet. Data yang digunakan ialah data sekunder time series kurun waktu 2013 -2023 dengan data bulanan sebagai basis datanya. Teknik penentuan sampel menggunakan sampel jenuh. Sampel yang digunakan dalam penelitian ini sebanyak 480 data. Metode analisis yang digunakan adalah Vector Error Correction Models (VECM). Hasil penelitian menemukan bahwa pengaruh variabel pembiayaan modal kerja terhadap variabel tenaga kerja dan omzet tahun 2013-2023 dalam jangka pendek memberikan dampak negatif dan signifikan, sedangkan jumlah unit berdampak positif dan signifikan terhadap pembiayaan modal kerja. Dalam jangka panjang jumlah unit berpengaruh positif dan signifikan, sedangakan tenaga kerja dan omzet berpengaruh negatif dan signifikan. Selanjutnya, berdasarkan uji kausalitas Granger menunjukkan bahwa semua variabel tidak memiliki hubungan kausalitas kecuali variabel unit yang memiliki hubungan kausalitas satu arah dengan variabel tenaga kerja. Analisis Impuls Response Function menunjukkan variabel unit, tenaga kerja, dan omzet merespon negatif terhadap shock pada variabel pembiayaan. Analisis Variance Decomposition menunjukkan variabel pembiayaan memberikan kontribusi yang relatif kecil terhadap shock variabel jumlah unit, tenaga kerja, dan omzet.
Green Banking In Sharia Banking: Initiation And Implementation Review M. Johari, Sobar; Al-Qurratun Ainiyah, Dhina
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1286

Abstract

This study aims to determine the initiation and implementation of green banking in relation to the influence of social, environmental, economic, human resources (HR), and ethics, on the initiation and implementation of green banking. This study was conducted by analyzing the results of interviews and questionnaires with 66 policy actors in Islamic banking in Islamic banking in the DIY Province. This study was analyzed using a descriptive quantitative method, in testing the hypothesis using multiple regression. The results of the study indicate that the highest initiation and implementation of green banking in Islamic banking in the Special Region of Yogyakarta (DIY) Province is in the economic aspect, this allows the implementation to still consider the profit and loss aspects in its implementation. While in the HR aspect it is the lowest, so it is still difficult to develop the totality of implementation and become serious homework for Islamic banking in Indonesia.
The Effectiveness Of Islamic Banking Financing In Enhancing Economic Growth In Sumenep Regency M. Johari, Sobar; Andrian Bungas, Ihzan
International Journal of Science, Technology & Management Vol. 6 No. 3 (2025): May 2025
Publisher : Publisher Cv. Inara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46729/ijstm.v6i3.1298

Abstract

This study investigates the effectiveness of Islamic banking financing in enhancing economic growth in Sumenep Regency. Islamic banking plays a significant role in providing Sharia-compliant financing solutions, especially for Small and Medium Enterprises (SMEs) that form the backbone of the local economy. The research employs a mixed-methods approach combining quantitative and qualitative data collected from Islamic banking institutions and regional economic statistics between 2018 and 2023. Quantitative analysis utilizes multiple regression models to measure the impact of Islamic financing schemes, such as Mudharabah and Musyarakah, on the growth of SMEs and Gross Regional Domestic Product (GRDP) in Sumenep. Qualitative data from interviews with banking officials and SME entrepreneurs provide insights into factors that enhance financing effectiveness, including trust, compliance with Islamic economic principles, and accessibility of capital. The findings indicate that Islamic banking financing significantly contributes to economic growth by supporting SME development, improving income levels, and fostering sustainable business practices. However, challenges such as limited human resources and regulatory constraints are identified as barriers to maximizing financing potential. The study concludes that optimizing Islamic banking products and strengthening institutional support can further accelerate economic growth in the region. This research provides valuable implications for policymakers, banking institutions, and stakeholders seeking to leverage Islamic finance as a tool for regional economic development.
Co-Authors Adhitya Wardhana Al-Qurratun Ainiyah, Dhina Andrian Bungas, Ihzan Dewi Larasati Eko Hariyadi Muljarijadi, Bagja Nurias, Nurias Ramadhania, Sabrina Ayu Sabrina Ayu Ramadhania