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All Journal Jurnal Reviu Akuntansi dan Keuangan JURNAL ECONOMIA Jurnal Keuangan dan Perbankan JDM (Jurnal Dinamika Manajemen) IQTISHADIA Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen & Keuangan Economica: Jurnal Ekonomi Islam JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS Inovator : Jurnal Manajemen JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Target : Jurnal Manajemen Bisnis Jurnal Muhammadiyah Manajemen Bisnis (JMMB) Jurnal Info Sains : Informatika dan Sains Proceeding International Seminar of Islamic Studies Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Moneter : Jurnal Keuangan dan Perbankan Epistemé: Jurnal Pengembangan Ilmu Keislaman Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Jurnal Pengabdian Masyarakat dan Penelitian Terapan
Muhammad Iqbal
Perbanas Institute Jakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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STRATEGI PENGELOLAAN NON PERFORMING LOAN (NPL) BANK UMUM YANG GO PUBLIC Riyadi, Selamet; Iqbal, Muhammad; Lauren, Novia
Jurnal Dinamika Manajemen Vol 6, No 1 (2015): March 2015 (DOAJ Indexed)
Publisher : Department of Management, Faculty of Economics, Semarang State University, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v6i1.4299

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan pada Bank Umum di Bursa Efek Indonesia periode tahun 2007sampai dengan tahun 2014. Sampel yang digunakan dalam penelitian ini adalah 10 Bank Umum di BEI. Penelitian ini menggunakan metode regresi data panel dengan efek random. Hasil penelitian menyimpulkan bahwa capital adequacy ratio, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional berpengaruh signifikan terhadap non performing loan, sedangkan variabel total aset tidak berpengaruh signifikan terhadap non performing loan. Model efek random layak digunakan untuk mengestimasi pengaruh capital adequacy ratio, total aset, loan to deposit ratio, kualitas aktiva produktif dan biaya operasional terhadap pendapatan operasional terhadap non performing loan.
Increasing Community Awareness and Intention in Encouraging The Growth of Cash Waqf Iqbal, Muhammad; Nadya, Prameswara Samofa; Saripudin, Saripudin; Hadiyati, Puji
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.3152

Abstract

This study aims to identify factors that determine the awareness, intention and decision of the Indonesian people to cash waqf. Data collection techniques using purposive sampling with PLS (Partial Least Squared) method as a data analysis tool in this study includes a path analysis model. The results obtained show that the social environment and understanding affect one's awareness and interest in cash waqf. The emergence of awareness and intention will encourage the person to carry out cash waqf. While the promotion of cash waqf does not affect awareness and intentions which in the end will not encourage someone to cash waqf.Penelitian ini bertujuan mengidentifikasi faktor-faktor yang menentukan kesadaran, minat dan keputusan masyarakat Indonesia untuk berwakaf uang. Teknik penggumpulan data menggunakan purposive sampling dengan metode PLS (Partial Least Squared) sebagai alat analisis data yang dalam penelitian ini memuat model analisis jalur. Hasil yang diperoleh menunjukkan bahwa lingkungan sosial dan pemahaman mempengaruhi kesadaran dan minat seseorang akan wakaf uang. Munculnya kesadaran dan minat akan mendorong orang tersebut untuk melaksanakan wakaf uang. Sedangkan promosi tentang wakaf uang tidak mempengaruhi kesadaran dan minat yang pada akhirnya tidak akan mendorong seseorang untuk berwakaf uang.
STRATEGY OF OPTIMALIZATION CASH WAQF IN INDONESIA Nadya, Prameswara Samofa; Alwyni, Farouk Abdullah; Hadiyati, Puji; Iqbal, Muhammad
JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Vol. 4 No. 2 (2018): Jurnal Syarikah
Publisher : Program Studi Ekonomi Islam FEI UNIDA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (553.731 KB) | DOI: 10.30997/jsei.v4i2.1486

Abstract

This study aims to identify various problems of cash waqf management in Indonesia. Identification of these various problems is expected to be formulated by various alternative solutions. Based on the research, it was identified that there were three main obstacles in the process of optimizing cash waqf, namely socialization, regulations and Nazhir, all of which were broken down in several sub-problems. The solutions that can be offered from these three constraints are socialization programs, both on understanding and cash waqf mechanisms, improving existing cash waqf regulations, specifically on the role of BWI and funding for the development of cash waqf, as well as programs designed to improve capacity asset management for Nazhir. Based on this solution, the strategy that can be carried out is more comprehensive and coordinated socialization, making regulations that can optimize the role of BWI and also optimize funds for the development of cash waqf, and continuous improvement of Nazhir's competency
Perbandingan Pengelolaan Risiko Kredit Perbankan Syariah dan Perbankan Konvensional Muhammad Iqbal
Jurnal Keuangan dan Perbankan Vol 21, No 3 (2017): July 2017
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (273.45 KB) | DOI: 10.26905/jkdp.v21i3.1318

Abstract

This study aims to identify factors that can be used as indicators in reducing the incidence of credit risk in sharia banking and conventional banking. The variables that become observations include banking performance in each group and macroeconomic performance. The banking performance variables include credit risk itself as measured by problem financing, growth in financing, growth in third-party funds, and banking size. While macroeconomic variables include national income, interest rates, and inflation. Autoregressive and distributed lag methods are used to identify which variables can be used as indicators. The results showed that all identified factors can be an indicator in the process of credit risk control both in sharia banking and conventional banking. Only credit growth in conventional banking alone cannot be used as an indicator of credit risk control.DOI: https://doi.org/10.26905/jkdp.v21i3.1318
Upaya Fintech Syariah Mendorong Akselerasi Pertumbuhan UMKM di Indonesia Saripudin Saripudin; Prameswara Samofa Nadya; Muhammad Iqbal
Jurnal Ilmiah Ekonomi Islam Vol 7, No 1 (2021): JIEI : Vol. 7, No. 1, 2021
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (213.317 KB) | DOI: 10.29040/jiei.v7i1.1449

Abstract

Compared to other Islamic financial institutions, Islamic Fintech has some advantages in accelerating the growth of SME Enterprises in Indonesia. Nevertheless, the existence of Islamic Fintech is not free from various problems, such as regulation aspect, human resources aspect, also perception of society and potential fraud. This research sought to find solution of the problems with SWOT analysis, then comparing the aspects each other to find out strategies in the effort of growing Islamic fintech for accelerating SME Enterprises. The results are some strategies consisting of, first, ecosystem strengthening between Islamic Fintech, government, academics and civil society, including Islamic Fintech customers and Islamic Banks. Second, optimalization potential of Islamic Fintech in managerial skills also Islamic contracts capacity. Last, massive and targeted socialization and promotion of Islamic Fintech.
SYNERGY OF SHARIA BANKS AND FINANCIAL TECHNOLOGY IN THE DEVELOPMENT OF MICRO, SMALL AND MEDIUM BUSINESSES IN INDONESIA Muhammad Haris; Muhammad Iqbal; Puji Hadiyati
Jurnal Reviu Akuntansi dan Keuangan Vol. 10 No. 1: Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1128.818 KB) | DOI: 10.22219/jrak.v10i1.11258

Abstract

ABSTRACTThe purpose of this study is to analyze the synergy between sharia bank and fintech to effort and develop micro, small and medium enterprises (MSMEs) in Indonesia. Data and information were obtained through interview to expert respondents in their fields such as BNI Syariah, Ammana Fintek Syariah and the Otoritas Jasa Keuangan (OJK). This study has been conducted from July 2018 to March 2019. To provide a deep understanding, this study uses a qualitative approach. The results of the study to show that the opportunity to create synergy between Sharia Bank and Sharia Fintech in order to develop MSMEs in Indonesia is still very wide open. This synergy can be done through several existing patterns or synergy models, including through cross-selling schemes, channeling, references, shadow investors, outsourcing platform and Fintech consortium. The benefits of this synergy include empowering MSMEs, facilitating financial services that are practical, comfortable, safe, have speed, sophistication and up-to-date and are more efficient. The challenges ahead are in terms of human resources competence and support from regulators for policy relaxation. Risks that must be properly mitigated from these synergies, such as the risk of credibility, technology, default and operations.KEYWORDS: Financial Technology (Fintech); Micro; Small and Medium Enterprises; Sharia Bank, Synergy.
Can the Efficiency of Islamic Banks in Indonesia Improve Their Competitiveness? Muhammad Iqbal; Dwi Yanti Yunianita
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.5862

Abstract

The development of Islamic banks today has contributed to the emergence of increasingly competitive competition between Islamic banks. Efficiency performance is believed to be a major factor in driving competitiveness among Islamic banks. This study aims to analyze the efficiency performance of Islamic banks in Indonesia and their effect on competitiveness. The sample used was 11 Islamic banks in Indonesia. The data used in this study were obtained from annual financial reports published from the OJK website and each bank during the period of 2012 - 2017. The approach used to measure efficiency performance uses the Data Envelopment Analysis (DEA) method, while the data analysis method uses One Way ANOVA and panel data regression. The results of measuring the efficiency performance of Islamic banks in Indonesia are still quite efficient, although during the study period several banks experienced a decrease in efficiency which resulted in differences in efficiency of performance among Islamic banks. Changes in efficiency performance do not have an impact on the competitiveness of Islamic banks themselves.
PERAN LAYANAN MOBILE BANKING DALAM MENINGKATKAN KEPUASAN DAN LOYALITAS NASABAH BANK SYARIAH Debi Triyanti; Reny Fitriana Kaban; Muhammad Iqbal
JURNAL MUHAMMADIYAH MANAJEMEN BISNIS Vol 2, No 1 (2021): Jurnal Muhammadiyah Manajemen Bisnis (JMMB)
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/jmmb.2.1.51-62.

Abstract

Penelitian ini bertujuan mengetahui kualitas layanan mobile banking dalam meningkatkan kepuasan nasabah dan dampaknya terhadap loyalitas nasabah bank syariah. Metode Partial Least Square (PLS) digunakan sebagai metode analisis data guna mengetahui sejauh mana peningkatan kepuasan nasabah dapat berperan sebagai variabel intervening dalam mempengaruhi kualitas layanan terhadap loyalitas nasabah. Sampel penelitian diperoleh dari nasabah Bank Syariah Mandiri kantor cabang Tomang. Hasil penelitian ini menunjukkan bahwa kualitas layanan mobile banking berpengaruh signifikansi terhadap kepuasan nasabah namun tidak berpengaruh langsung terhadap loyalitas nasabah. Meskipun demikian, kualitas layanan mobile banking tetap berpengaruh secara tidak langsung terhadap loyalitas nasabah melalui peran kepuasan nasabah. Hal ini menunjukkan bahwa kepuasan nasabah memediasi kualitas layanan mobile banking terhadap loyalitas nasabah bank syariah
Sistem Peringatan Dini Ketahanan Perbankan Terhadap Guncangan Internal dan Eksternal Dengan Model Artifical Neural Network Muhammad Iqbal; Azmia Ulfah; Selamet Riyadi
Target : Jurnal Manajemen Bisnis Vol 2 No 1 (2020)
Publisher : Universitas Bumigora

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (303.805 KB) | DOI: 10.30812/target.v2i1.706

Abstract

Sistem stabilitas keuangan adalah sistem kompleks yang terbentuk dan terkait dengan kebijakan ekonomi dan moneter di negara tersebut. Oleh karena itu diperlukan suatu model untuk dapat memprediksi secara cepat dan akurat ketidakstabilan sistem keuangan yang mungkin terjadi. Penelitian ini bertujuan untuk membangun model Artifical Neural Network (ANN) sebagai sistem peringatan dini untuk memprediksi kegagalan perbankan berdasarkan kepatuhan bank. Penelitian ini menggabungkan faktor internal dan eksternal yang mempengaruhi kinerja perbankan sebagai indikator. Hasil penelitian ini membuktikan bahwa ANN dapat digunakan sebagai metode alternatif untuk mendeteksi tingkat keberlanjutan suatu bank.
ENCOURAGE PEOPLE’S INTEREST TO DO CASH WAQF Puji Hadiyati; Annisa Indah Gladys; Muhammad Iqbal
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1345.244 KB) | DOI: 10.32678/ijei.v11i2.192

Abstract

This study aims to identify the community interest to cash waqf. The population of this study are people living in Jabodetabek area. Variables used in this study include knowledge, understanding, awareness and promotion of community interest to cash waqf. Simple Random Sampling is the sampling method in this research and regression with ordinary least squared approach become its analysis method. The results show that knowledge and understanding do not have an influence on the community interest to doo cash waqf, while the awareness and promotion variables affect the community interest to do cash waqf.
Co-Authors Afidah, Afifah Nur Alindha Farezha Nasution Alwyni, Farouk Abdullah Anak Agung Istri Sri Wiadnyani Annisa Indah Gladys Arianto Muditomo Aviliani Aviliani Azmia Ulfah Debi Triyanti Denia Maulani Diah Ernawati Dian Kurniawati Dwi Yanti Yunianita FAWZI BHAKTI PRESTAMA Hedwigis Esti Riwayati Hilmi Musyaffa Ilafi Rani Yoasti Jasman Jasman Laksamana, Patria Markonah, Markonah Muhammad Farhan Muhammad Farouq Rosyadi Muhammad Haris Nadya, Prameswara Samofa Novia Lauren, Novia Nurhasanah Nurhasanah Ovalia Pangastuti, Annisa Arifah Puji Hadiyati Rana Catleya Ega Afifah Sabrianti, Priska Salsa Dea Safira Saripudin Selamet Riyadi Suharyanto Taufiq Akbar