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Does Islamic Microfinance indeed base on Sharia-compliant? The Shreds of Evidence Report in Ogan Komering Ilir regency, South Sumatera, Indonesia Munir, Misbahul; Arifah, Resa Arifatul; Dewi, Kharisma
Journal of Economics Research and Social Sciences Vol 5, No 2 (2021): August
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jerss.v5i2.12487

Abstract

The development of Islamic economics and finance in Indonesia in the last few decades has experienced significant developments. It can be seen in the increasing number of sharia businesses in various sectors. From financial institutions, both bank and non-bank financial institutions, Islamic capital markets, sharia bonds (Sukuk) to tourism development managed in a sharia manner. Over time, this rapid development must also be balanced with compliance with sharia values. This study aims to assess Islamic microfinance institutions (BMT) in implementing sharia principles in their products. The product studied in this study is Murabahah. This research uses a qualitative approach with field studies. The results of this study, the BMT studied in this study in general, have implemented sharia values. The implication of this research is to strengthen the compliance of Islamic financial institutions in implementing Islamic values. This research can also be used as a reference by related parties, especially in developing Islamic financial institutions.
Analisis Pengaruh CAR, NPF, FDR dan Inflasi terhadap Profitabilitas Perbankan Syariah di Indonesia Misbahul Munir
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.285

Abstract

The increasing number of sharia financial institutions in Indonesia is accompanied by an increase in literature review regarding sharia financial institutions. Renewal of studies related to the development of Islamic finance in Indonesia is important to continue. This study aims to examine the factors that affect the level of profitability of Islamic banking in Indonesia in the latest conditions and the latest data. The approach used is quantitative descriptive. Based on the F test, the f-statistic value obtained was 0.000085 below 0.05 (five percent). In other words, the independent variables including CAR, NPF, FDR, and inflation simultaneously have a significant effect on the dependent variable ROA. Whereas in a formal manner, based on the t-test, the NPF variable has a positive and significant effect on ROA. While the CAR, FDR and inflation variables have no effect on ROA.
Deteksi Kebangkrutan pada Industri Asuransi Syariah di Indonesia Fayakhun Bakhtiar; Misbahul Munir; Ahsan Al Qasas
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v1i1.286

Abstract

This study aims to predict the potential bankruptcy of a sharia insurance company. The analysis model used is the modified Altman Z-score analysis model. The Altman Z-score measurement model will be represented by the ratio of the network model to total assets, retained earnings to total assets, earnings before interest to total assets and capital book value to the book value of debt. The results showed that in 2011-2017 5 sharia insurance companies were in a safe zone (not bankrupt), there was only one sharia insurance company in the gray zone.
Cointegration of Stock Market and Exchange Rate in Indonesia Pribawa E Pantas; Muhamad Nafik Hadi Ryandono; Misbahul Munir; Rofiul Wahyudi
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 2 No. 2 (2019)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v2i2.886

Abstract

This study aims to determine the long-term relationship between stock market and exchange rate in Indonesia. The research method used is Johansen cointegration test. The results of this study found no cointegration between the variables tested. Thus the exchange rate, JII, and IHSG have no relationship in the long term. The fluctuation of the rupiah exchange rate in recent years did not generally affect the performance of stock indices especially after the global financial crisis of 2008. This shows the capital market in Indonesia has a good performance so that it is not so sensitive to the sentiment of the decline in the rupiah against the US dollar. This finding is in line with the findings of Syahrer (2010) which states the exchange rate has no effect on the stock market.
Transformasi Digital dalam Penguatan Promosi Produk Lokal “Kopiah Resam” Desa Dendang Muhammad Faisal Akbar; Rozi Rozi; Misbahul Munir; Fieska Yollanda; Ulan Dari; Nazarudin Nazarudin
AKM Vol 4 No 2 (2024): AKM : Aksi Kepada Masyarakat Jurnal Pengabdian Kepada Masyarakat - Januari 2024
Publisher : Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36908/akm.v4i2.954

Abstract

Desa Dendang merupakan salah satu desa yang terletak di Kabupaten Bangka Barat dan terkenal dengan produk kerajinan kopiah resam yang dihasilkan oleh warga desa. Produk ini merupakan hasil dari warisan tradisi masyarakat desa Dendang yang telah diwariskan dari generasi ke generasi. Meskipun produk kopiah resam ini memiliki nilai estetika yang tinggi dan memiliki potensi besar untuk dikembangkan sebagai produk wisata khas daerah, namun promosi produk ini masih kurang efektif dan masih terbatas pada pasar lokal. Seiring dengan perkembangan teknologi informasi dan komunikasi, digital marketing menjadi alternatif yang efektif dalam meningkatkan promosi produk secara online. Oleh karena itu, proyek pengabdian kepada masyarakat ini bertujuan untuk membantu pengrajin kopiah resam di desa Dendang dalam meningkatkan promosi produk secara online dengan memanfaatkan media digital. Dengan menggunakan strategi digital marketing, diharapkan promosi produk kopiah resam dapat lebih luas jangkauannya dan dapat dikenal oleh masyarakat luas. Teknologi Shopee sudah ada namun masih sangat sederhana dan belum ada yang melakukan Pembelian. Pemasaran dan konten penjualan kopiah resam di Desa Dendang, Bangka Barat masih sangat sederhana dan belum menarik karena beberapa alasan. Oleh karena itu, perlu adanya upaya untuk meningkatkan pemahaman tentang pemasaran dan strategi penjualan yang efektif, serta mengembangkan konten promosi dan penjualan yang menarik dan mudah diakses oleh para calon pembeli. Dengan upaya ini, diharapkan minat beli dan popularitas produk kopiah resam di Desa Dendang dapat meningkat secara signifikan.
Faktor-faktor yang Memengaruhi Nilai Tukar Rupiah terhadap Dolar Amerika Serikat Setefanny, Setefanny; Abisa, Jotian; Marisa, Marisa; Munir, Misbahul
WELFARE Jurnal Ilmu Ekonomi Vol 5, No 1 (2024): Mei
Publisher : Jurusan Ekonomi Pembangunan, Fakultas Ekonomi, Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/wlfr.v5i1.9082

Abstract

Fluctuations in currency exchange rates are a phenomenon that often occurs in an economy. Changes in the Rupiah exchange rate against the US Dollar that occurred in Indonesia were influenced by fundamental economic factors and openness. This research analyzes the influence of economic growth, inflation, foreign exchange reserves, and exports on the Rupiah exchange rate against the United States Dollar. This research uses the ordinary least squares (OLS) method and multiple linear regression analysis models. This research uses monthly period data from January 2012 to December 2022. The results show that simultaneously the variables of economic growth, inflation, foreign exchange reserves, and exports affect the Rupiah exchange rate against the United States Dollar. Economic development, inflation, and foreign exchange reserves all positively influence the Rupiah's exchange rate relative to the USD. Meanwhile, the export variable does not affect the Rupiah exchange rate against the United States Dollar. This analysis shows that the most significant factors affecting the Rupiah's exchange rate against the US dollar are economic growth, inflation, and foreign exchange reserves.Fluktuasi nilai tukar mata uang merupakan fenomena yang sering terjadi dalam sebuah perekonomian. Perubahan perilaku nilai tukar Rupiah terhadap Dolar Amerika yang terjadi di Indonesia dapat dipengaruhi oleh faktor fundamental perekonomian dan keterbukaan. Tujuan dari penelitian ini adalah untuk menganalisis pengaruh pertumbuhan ekonomi, inflasi, cadangan devisa dan ekspor terhadap nilai tukar Rupiah atas Dolar Amerika Serikat. Penelitian  ini menggunakan metode ordinary least square (OLS) dan model analisis regresi linear berganda. Penelitian ini menggunakan data periode bulanan  dalam rentang waktu Januari tahun 2012- Desember 2022. Hasil penelitian ini menunjukkan bahwa secara simultan variabel pertumbuhan ekonomi, inflasi, cadangan devisa, dan ekspor berpengaruh signifikan terhadap nilai tukar Rupiah atas Dolar Amerika Serikat. Secara parsial variabel pertumbuhan ekonomi, inflasi, dan cadangan devisa berpengaruh positif terhadap nilai tukar Rupiah atas Dolar Amerika serikat. Variabel  ekspor tidak berpengaruh terhadap nilai tukar Rupiah atas Dolar Amerika Serikat. Hasil penelitian ini menunjukkan bahwa variabel yang berpengaruh dominan terhadap nilai tukar Rupiah atas Dolar Amerika Serikat adalah pertumbuhan ekonomi, inflasi, dan cadangan devisa.
Faktor Yang Mempengaruhi Non Performing Financing Perbankan Syariah di Indonesia Izam zamali; Astary, Jumanda; Mamuji, Mamuji; Karima, Nabila Karima; Misbahul Munir
Islamic Economics and Business Review Vol 3 No 1 (2024): IESBIR, April 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59580/iesbir.v3i1.7025

Abstract

Abstract Non-performing loans (NPF) are one of the main problems in the Islamic banking sector in Indonesia. The purpose of this study is to identify the factors that influence NPF in the Islamic banking sector in Indonesia. The research method used is a quantitative research approach using secondary data, namely data taken from various trusted sources because the secondary data used comes from the Central Statistics Agency (BPS), books, the internet, economic magazines and other sources. The data found shows that the main factors affecting NPF in the Indonesian Islamic banking sector are bad credit, exchange rate factors, economic growth factors and interest rates. The results showed that the data of this study were processed using the eviews 12 program, the use of this program aims to estimate the parameters of the variables to be observed from the experimental model that has been determined. The variables tested in this study include NPF, exchange rates, economic growth and benchmark interest rates. Keywords: non-performing financing, exchange rate factors, economic growth factors, interest rates Abstrak Pinjaman bermasalah (NPF) merupakan salah satu permasalahan utama pada sektor perbankan syariah di Indonesia. Tujuan penelitian ini adalah untuk mengidentifikasi faktor-faktor yang mempengaruhi NPF pada sektor perbankan syariah di Indonesia. Metode penelitian yang digunakan adalah pendekatan penelitian kuantitatif dengan menggunakan data sekunder, yaitu data diambil dari berbagai sumber terpercaya karena data sekunder yang digunakan berasal dari Badan Pusat Statistik (BPS), buku, internet, majalah ekonomi dan lain-lain. sumber. Data yang ditemukan menunjukkan bahwa faktor utama yang mempengaruhi NPF pada sektor perbankan syariah Indonesia adalah kredit macet, faktor nilai tukar, faktor pertumbuhan ekonomi dan suku bunga. Hasil penelitian menunjukkan bahwa data penelitian ini diolah dengan menggunakan program eviews 12, penggunaan program ini bertujuan untuk memperkirakan parameter variabel yang akan diamati dari model eksperimen yang telah ditetapkan. Variabel yang diuji dalam penelitian ini antara lain NPF, nilai tukar, pertumbuhan ekonomi dan suku bunga acuan. Kata kunci: pinjaman bermasalah, faktor nilai tukar, faktor pertumbuhan ekonomi, tingkat suku bunga.
What Drives the Islamic Stock Market Price in Indonesia? Munir, Misbahul; Akbar, Muhammad Faisal; Yuningsih, Ayu; Rahmani, Zikri; Lusiana, Dewi
EKONOMIKA SYARIAH : Journal of Economic Studies Vol. 7 No. 2 (2023): December 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v7i2.7650

Abstract

Saat ini, pasar modal syariah berkembang semakin pesat. Hal ini ditandai dengan munculnya berbagai indeks saham syariah termasuk Jakarta Islamic Index (JII). Pasar modal  adalah lembaga keuangan yang berkontribusi dalam pengelolaan dana investasi, serta menjadi penggerak utama dalam sistem ekonomi. Namun, pasar modal syariah dalam beberapa dekade terakhir menunjukkan pergerakan yang fluktuatif, diduga ada faktor-faktor yang mempengaruhi pergerakannya. Tujuan dari penelitian ini adalah untuk mengkaji faktor-faktor yang mempengaruhi pergerakan Jakarta Islamic Index. Metode yang digunakan dalam penelitian ini adalah deskriptif kuantitatif dengan data time series tahun 2009-2021. Variabel independen dalam penelitian ini adalah ekonomi makro yang terdiri dari  inflasi (INF), Indeks Produksi Industri (IPI), BI Rate, nilai tukar, dan Indeks Harga Saham Gabungan Indonesia (IHSG) sedangkan variabel dependennya adalah Jakarta Islamic Index (JII). Alat analisis yang digunakan dalam penelitian ini adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa secara umum, dalam jangka pendek, pergerakan Indeks Saham Syariah yaitu Jakarta Islamic Index (JII) tidak banyak dipengaruhi oleh variabel makroekonomi. Sementara itu, dalam jangka panjang, pergerakan indeks saham syariah di Indonesia dipengaruhi oleh variabel makroekonomi.Currently, the Islamic capital market is growing rapidly. This is marked by the emergence of various Islamic stock indices, including the Jakarta Islamic Index (JII). The capital market is a financial institution that contributes to the management of investment funds as well as being the main driving force in the economic system. However, the Islamic capital market in recent decades has shown fluctuating movements; allegedly, some factors affect its movement. The purpose of this study is to examine the factors that influence the movement of the Jakarta Islamic Index. The method used in this study is quantitative-descriptive with time series data from 2009 to 2021. The independent variable in this study is macroeconomics, consisting of inflation (INF), industrial production index (IPI), BI rate, exchange rate, and Indonesia Composite Stock Price Index (ICI), while the dependent variable is the Jakarta Islamic Index (JII). The analysis tool used in this study is the Vector Error Correction Model (VECM). The results of this study show that, in general, in the short term, the movement of the Sharia Stock Index, namely the Jakarta Islamic Index (JII), is not much influenced by macroeconomic variables. Meanwhile, in the long run, the movement of Islamic stock indices in Indonesia is influenced by macroeconomic variables.
Characteristics of Extreme Poverty in the Province of Bangka Belitung Islands Zikri Rahmani; Devi Valeriani; Ayu Wulandari; Muhammad Faisal Akbar; Agung Rizki Putra; Misbahul Munir; Rozi Rozi
Equity: Jurnal Ekonomi Vol 12 No 2 (2024): Equity : Jurnal Ekonomi
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33019/equity.v12i2.382

Abstract

This study aims to analyze the characteristics of poverty in seven districts and cities in the Bangka Belitung Islands Province. This study uses primary and secondary data from the Central Bureau of Statistics (BPS) and other relevant sources. The analysis was conducted descriptively to identify factors that influence poverty, such as the age of the poor, marriage, education level, number of dependents, type of employment, income, living conditions, government assistance and health. The results show that poverty in Bangka Belitung is more dominant in rural areas than urban areas. Low education levels and limited access to health services are the main causes of poverty in this area. In addition, the community's dependence on the fluctuating mining sector also affects the economic stability of households. This study also found significant income inequality between low- and highincome groups. Based on these findings, efforts to improve access to education and health, as well as economic sector diversification to reduce unemployment are recommended. More inclusive policies are needed to sustainably address poverty in the region.
Kemiskinan, Tingkat Pendidikan, dan Sikap Moderat Dalam Beragama: Studi Kasus Masyarakat Gunung Kidul, Daerah Istimewa Yogyakarta Qoyum, Abdul; Munir, Misbahul; Munawaroh, Uum
Pancasila: Jurnal Keindonesiaan Vol. 4 (2024): SPECIAL EDITION, 1 JUNI 2024
Publisher : Badan Pembinaan Ideologi Pancasila

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52738/pjk.v4iX.497

Abstract

Kemiskinan dan pendidikan merupakan dua hal penting yang dianggap memiliki pengaruh terhadap cara pandang dan sikap seseorang dalam hubungan sosial keagamaan. Penelitian ini bertujuan untuk mengetahui bagaimana pengaruh tingkat kemiskinan dan Pendidikan terhadap sikap moderat dalam beragama seseorang. Penelitian menggunakan sampel 390 responden yang berasal dari 114 kelurahan di Kabupaten Gunung Kidul, dengan menggunakan kuesioner. Berdasarkan pada pengujian statistic, penelitian ini membuktikan bahwa terdapat hubungan negatif antara faktor kemiskinan dengan sikap moderat seseorang dalam beragama. Artinya, semakin tinggi tingkat kemiskinan, maka akan semakin rendah sikap moderasi beragama seseorang. Selanjutnya, penelitian ini juga membuktikan bahwa faktor Pendidikan tidak berpengaruh secara signifikan terhadap sikap moderat. Oleh karena itu pemerintah perlu memperhatikan faktor kemiskinan untuk memperbaiki sikap moderat dalam beragama suatu masyarakat.