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All Journal Jurnal Ekonomi & Keuangan Islam Journal of Digital Marketing and Halal Industry ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Mabny : Journal of Sharia Management and Business Disclosure: Journal of Accounting and Finance Journal of Islamic Economics, Management, and Business (JIEMB) Journal of Accounting and Digital Finance Relevance: Journal of Management and Business Begawan Abioso Journal of Economics and Policy Studies (JEPS) Journal of Islamic enterpreneurship and Management Jurnal Manajemen Bisnis Syariah
Rahmayanti, Dini
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Determinants of Islamic banking financing in Indonesia: An empirical analysis of internal and macroeconomic factors Rahmayanti, Dini; Batin, Mail Hilian; Suryati, Suryati; Ariyani, Diyah; Ifada, Khusnul
Journal of Islamic Economics Management and Business (JIEMB) Vol. 5 No. 1 (2023)
Publisher : Prodi Magister Ekonomi Syariah FEBI UIN Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/jiemb.2023.5.1.15220

Abstract

This article examines the internal and macroeconomic determinants affecting Islamic banking financing in Indonesia, focusing on Sharia Commercial Banks, Sharia Business Units, and Sharia People’s Financing Banks. Using a quantitative methodology with monthly panel data spanning from 2019 to 2022, the study employs Vector Autoregression (VAR) and Vector Error Correction Model (VECM) techniques. The analysis incorporates variables such as Total Assets, Third Party Funds (TPF), Net Operating Margin (NOM), Financing to Deposit Ratio (FDR), Non-Performing Financing (NPF), Return on Assets (ROA), Equivalent Rates of mudharabah and musyarakah, BI Rate, and Inflation. Findings reveal that in the long run, TPF, NOM, ROA, and the Equivalent Rate of Musyarakah positively influence Islamic banking financing, whereas NPF and inflation exert a significant negative impact. In the short run, TPF, NOM, ROA, and the Equivalent Rate of Mudharabah are significant influencers of financing. These results highlight the critical role of effective fund management and a stable economic climate in fostering the expansion of Islamic banking financing. The study offers valuable insights for policymakers and banking institutions aiming to improve financial inclusion and economic stability through enhanced Islamic banking practices.
ANALISIS GAYA HIDUP, KEMUDAHAN DAN RELIGIUSITAS TERHADAP PENGGUNAAN SHOPEE PAYLATER Hegi Carnado, Mastra; Rahmayanti, Dini
Journal of Islamic enterpreneurship and Management Vol 3, No 2 (2023): JIEM: JOURNAL OF ISLAMIC ENTERPRENEURSHIP AND MANAGEMENT
Publisher : UIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/jiem.v3i2.114-126

Abstract

Penelitian ini bertujuan mengetahui pengaruh variabel gaya hidup (X1), kemudahan (X2) dan religiusitas(X3) terhadap kepuasan penggunaan shopee paylater (Y) dengan hedonic shopping sebagai variabel moderasi (Z). Penelitian ini menggunakan jenis penelitian kuantitatif dengan mengkaji hasil data kuesioner responden sebanyak 210 responden dan dilaksanakan pada bulan desember 2023, populasi data tak terhingga yang menggunakan teknik purposive sampling diolah denga SPSS. Hasil penelitian ini menunjukkan gaya hidup berpengaruh positif signifikan terhadap penggunaan Shopee PayLater, kemudahan berpengaruh positif signifikan terhadap penggunaan Shopee PayLater, hedonic shopping berpengaruh positif signifikan terhadap penggunaan Shopee PayLater, hedonic shopping memoderasi gaya hidup terhadap penggunaan Shopee PayLater, hedonic shopping tidak dapat memoderasi kemudahan terhadap penggunaan Shopee PayLater, hedonic shopping tidak dapat memoderasi kemudahan terhadap penggunaan Shopee PayLater, dan hedonic shopping tidak dapat memoderasi religiusitas terhadap penggunaan Shopee PayLater.
Integration of financing and macroeconomic shock in Islamic banking in Indonesia Rahmayanti, Dini; Batin, Mail Hilian; Suryati, Suryati; Ariyani, Diyah; Ifada, Khusnul
Asian Journal of Islamic Management (AJIM) VOLUME 5 ISSUE 2, 2023
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/AJIM.vol5.iss2.art6

Abstract

Purpose – This study analyzes the relationship between Islamic banking financing and macroeconomic variables as well as its response to key economic variables.Methodology – The research design uses quantitative analysis with Islamic banking panel data for the period 2019-2022 with monthly data, and the study used the Vector Error Correction Model (VECM).Findings – Non Performing Financing (NPF) and Inflation negatively impact Islamic banking financing. Meanwhile, Third Party Funds (Dana Pihak Ketiga, DPK), Net Operating Margin (NOM), Return on Assets (ROA), Equivalent Rate of Musyarakah (ERPMUSY), and BI rates have a positive direction of significance for Islamic banking financing. In the Granger causality test, the interaction between the variables was unidirectional. While Islamic banking financing responds to shocks, many financings respond negatively to the shocks that occur.Implications – Islamic Financing responds significantly in a negative direction as a result of the shocks that occur in each variable and based on long-term estimates. Therefore, Islamic banking needs to supervise and resolve the internal influence of each bank, as well as the macro influence that can be felt in the long term on Islamic banking financing.Originality – This research integrates Islamic banking finance in Indonesia and examines how internal and macro variables can influence the financing disbursed to Islamic banking in Indonesia. This study also examines shocks between variables and tests the Granger causality between variables. Islamic banking needs to pay attention to many factors to minimize bad financing or lack of interest in applying for financing.
What Is The Effect Of Sukuk On The Economic Growth Of Moslem Countries? Evidence From Oic Member Countries Fatimah, Siti; Rahmayanti, Dini
Journal of Economics and Policy Studies (JEPS) Vol 4 No 02 (2023): Journal JEPS
Publisher : UIN Sayyid Ali Rahmatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21274/jeps.v4i02.8962

Abstract

Economic growth is an indicator of a country's progress and a signal for the government in determining the policies that the government will undertake next. The difference in the results of previous research made the writer curious and wanted to examine this research in more detail. This study aims to data obtained from the official websites of the Worldbank, economycountry, Trading Economics, Transparency, IIFC, and UNDP. The results show that there is a long-term relationship between sukuk and crude oil prices to economic growth, which has a significant effect on the statistical value t |2.18635|, |55.3240| > critical value t |2.000995|. While the analyze the long and short-term effects of the variable sukuk, Corruption Perception Index, Human Development Index, Crude Oil Price, and economic growth in 10 member countries of the OIC for the 2017-2022 period and find out the impact and results if it occurs the effect of shocks on one variable on other variables. The method used in this study is the VECM. The data used in this study is secondary short-term relationship of the variables of sukuk and crude oil prices to economic growth also has a significant effect because of the statistical values t |2.07061|, |7.47968| > critical value t |2.000995|. Granger causality test results show that sukuk and economic growth have a two-way causality relationship. And the Granger causality test also shows that CPI, HDI, COP and economic growth do not occur in a two-way or one-way causality relationship
Co-Authors Abdullah, Norhayati Binti Arifah, Ziinatul Ariyani, Diyah Fadzaki, Muhammad Kharil Hegi Carnado, Mastra Ifada, Khusnul Ilmiah, Dunyati Jamilah, Putri Kamal, Al- Haq Lestari, Anisa Mail Hilian Batin Nuraini, Ninda Rohmah, Umdah Aulia Sani, Ageng Asmara Siti Fatimah Suryati Suryati Yana Suryana