J-EBIS (Jurnal Ekonomi dan Bisnis Islam)
The Journal that published by Faculty of Economic and Islamic Busines, State Institut for Islamic Studies (IAIN) Zawiyah Cot Kala Langsa, This journal focused on Islamic Economics and Finance studies. The Journal is published twice a year on April and October. The aim of the journal is to disseminate the Islamic economics and finance.
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<![CDATA[The Effect of Financing Portfolio Diversification Strategy on The Risk of Non Performing Financing in The Indonesian Islamic Banks ]]>
<![CDATA[Ihdina Sabilal Haq]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
Publisher : <![CDATA[IAIN Langsa ]]>
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DOI: 10.32505/j-ebis.vi0.5560
<![CDATA[Purpose – The purpose of this study is to examine the effect of a credit portfolio diversification strategy on the risk of bad loans in Islamic banking in Indonesia for the 2018-2022 period. Design/methodology/approach – Exogenous variables in this study include credit portfolio diversification based on contract and type of usage. Meanwhile, the endogenous variable is the risk of bad credit in Islamic banking. The loan portfolio diversification variable based on the contract and type of use is calculated using the Herfindahl-Hirschman Index (HHI). The bad credit risk variable uses the Non Performing Financing (NPF) proxy. The population in this study are Islamic Commercial Banks and Sharia Business Units in 2018-2022 using a saturated sample technique. In addition, Ordinary Least Square (OLS) Regression Analysis is used in the data analysis method. Findings – The results of this study indicate that the diversification of the credit portfolio based on the contract and the type of usage both partially and simultaneously has a significant effect on the risk of bad credit in Islamic Banking. Research limitations/implications – This study is limited to Islamic commercial banks and Islamic business units in Indonesia. There are three types of financing, namely financing based on contract-, type of use and business sector and not the business sector of credit beneficiary, but in this study only uses diversification of financing based on contracts and usage due to limited data and research time. Practical implications – The role of credit diversification based on contract and type of usage in reducing the risk of bad credit that may be useful for sharia banking, both sharia commercial banks and sharia business units in Indonesia, is related to the need for a credit portfolio diversification strategy policy to reduce the risk of bad credit in companies as well as for further researchers as an additional reference. for research that uses the topic of factors that influence the level of credit risk in Islamic banking. Originality/value – This study provides new insights about the role of credit diversification based on contracts and the type of use that can significantly affect the risk of bad credit in Islamic banking in Indonesia.]]>
<![CDATA[Integration Analysis of Sharia Stock Price Index in Indonesia, Malaysia, China and The United States Islamic Capital Markets ]]>
<![CDATA[Darmawan, Zulfikri Charis]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.vi0.5576
<![CDATA[Purpose – This study aims to determine the effect of Dow Jones Islamic Word Malaysia Index (DJMY25D), Dow Jones Islamic Market China (DJICHKU) and Dow Jones Islamic Market Index (DJIMI) on Indonesian Sharia Stock Index (ISSI.JK) for the 2018-2022 period. Design/methodology/approach – The exogenous variables in this study include DJMY25D, DJICHKU and DJIMI. Meanwhile, the endogenous variable is ISSI.JK. In the DJMY25D, DJICHKU, DJIMI and ISSI.JK variables it is calculated by the percentage growth in closing prices at the beginning of the month. The population in this study is the Global Islamic Index which is part of the Dow Jones Global Index which consists of 34 countries using purposive sampling technique. In addition, Ordinary Least Square (OLS) Regression Analysis was used in the data analysis method. Findings – The results of this study indicate that simultaneously DJMY25D, DJICHKU and DJIMI have a significant effect on ISSI.JK. Partially, DJMY25D and DJICHKU have an effect on ISSI.JK but not significantly. while DJIMI has a significant effect on ISSI.JK. Research limitations/implications – his research is limited by the integration of Indonesian Islamic stocks with several Malaysian, Chinese and American Islamic stocks. There are several other countries where the Islamic stock market may be integrated with Indonesian Islamic stocks, but in this study only uses diversification of financing based on contracts and usage due to limited data and research time. Practical implications – The integration of ISSI.JK and DJIMI sharia stocks may be useful for market players and regulators to consider the DJIMI stock market in estimating market price movements and volatility of the Indonesian sharia stock market. Originality/value – This study provides new insights on the integration of Islamic stocks in Malaysia, China, America and Indonesia in 2018-2022.]]>
<![CDATA[Earning Management Analysis: The Role of Firm Size, Leverage, Managerial Ownership and Profitability ]]>
<![CDATA[Safarida, Nanda]]>;
<![CDATA[Lili Irawati]]>;
<![CDATA[Safwan Kamal]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.vi0.5909
<![CDATA[Purpose: This study aims to determine the effect of firm size, leverage, managerial ownership, and profitability on earning management in a convenience goods company, PT. Tiga Pilar Sejahtera Food Tbk, wich is listed on the Indonesian stock exchange under the name AISA. Method: Secondary data are collected through the company’s financial statement from 2006 to 2020. The data were collected from the Indonesian Capital Market Directory (ICMD) and the Indonesian stock exchange websites. The quantitative approach was used to analyze the data. Then, the data were regressed by Ordinary Least Square estimation using Eview 12 software. Findings: Results revealed that firm size, managerial ownership, and profitability have no significance influence on earning management. However, leverage partially has a negative and significant effect on the earnings management. Meanwhile, firm size, leverage, managerial ownership, and profitability simultaneously influence earnings management of PT. Tiga Pilar Sejahtera Food Tbk significantly from 2006 to 2020 period. Research limitation: This research only uses some of the determinants of earnings management from many other factors that also have a contribution such as institutional ownership, board of commissioners, auditor reputation, etc. In addition, the use of several research objects in the form of companies engaged in the same business sector is also recommended for further research in order to obtain a more comprehensive and representative view. Practical Implication: This research has implications for the company's management considerations in making decisions to carry out earnings management. This form of intervention is ideal as long as it is carried out in accordance with accounting principles. This must be ensured so that the company's economic picture remains visible and risk management can still be carried out.]]>
<![CDATA[Analysis of Liquidity in Islamic Banks in Indonesia: Analysis of Capital Adequacy Ratio, Return on Asset, Inflation, and BI Interest Rate Factors for the Period 2015-2020 ]]>
<![CDATA[Shoffan Maulana]]>;
<![CDATA[M. Fikri Himmawan]]>;
<![CDATA[Sri Yayu Ninglasari]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.5561
<![CDATA[Purpose – This study aims to explore the elements that affect the liquidity of Islamic banking in Indonesia. From 2015 to 2020, Bank Indonesia published consecutive monthly statistics that can be used in this study. Internal factors, such as the capital adequacy ratio (CAR) and return on assets (ROA), and external factors, such as inflation and the SBI interest rate, are the variables used in this study. Design/methodology/approach - This study used the vector error correction model (VECM) as the research methodology. Findings - The results state that CAR and inflation variables have a positive and significant effect on FDR in the short term, but other variables are not significant. The financing-to-deposit ratio is negatively affected by ROA and BI interest rate variables in the long term, while in the short term it is positively affected by CAR and inflation (FDR) variables. Research limitations/ implications - In order to determine the liquidity policy of Islamic banking in the future, the authorities in Indonesia can benefit significantly from this research. Originality and value - This research can be used as a comparative reference for Islamic banking to maintain its liquidity. There are still not many studies that examine research on Islamic banking liquidity in Indonesia with these variables, so this journal can be a reference for further research. However, it is limited to 2015 to 2020 and only uses Islamic banking as the object of research. Keywo]]>
<![CDATA[Pendampingan Usaha sebagai Variabel Moderator pada Pengaruh antara Modal Sendiri dan Jumlah Pembiayaan Murabahah terhadap Omzet ]]>
<![CDATA[Luthfi, Faishol]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.4857
<![CDATA[This study aims to analyze the effect of equity and murabahah financing on MSME turnover with business assistance as a moderating variable. This study uses a mix methods approach which is a combination of quantitative and qualitative methods. The quantitative method uses Moderated Regression Analysis (MRA) and the qualitative method uses descriptive analysis. The independent variables in this research are equity (X1) and the amount of murabahah financing (X2) with business assistance as a moderating variable (Xm). The dependent variable is MSME turnover. The subject of this research is MSME actors in Surabaya City. The sample of this study amounted to 300 people who were taken using purposive sampling method. The results showed that the variable of equity has a positive and significant effect on MSME turnover, while business assistance has been shown to moderate the influence between equity and murabahah financing on MSME turnover. There are several forms of business assistance for MSME actors, namely related to production capacity, business community and product promotion.This study looks at the independent variables from two sides, namely from the internal side of MSME actors, namely their own capital and externally, namely murabahah financing. Further exploration is needed regarding the independent variables in this study.This study is useful for relevant regulators to formulate MSME development policies considering the importance of MSME's role in the Indonesian economy. This study provides deeper insight into business assistance as a moderating variable and also forms of business assistance.]]>
<![CDATA[Dynamic Effects Of Interaction Between Economic Growth, Investment And Savings With International Trade In Indonesia ]]>
<![CDATA[Tajul Ula]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.5752
<![CDATA[Anticipation of economic uncertainty needs to be done to avoid the brink of crisis by maintaining the pace of economic growth, investment and savings climate as well as smooth international trade. This study aims to analyze and explore the dynamic relationship interaction between economic growth variables projected as Gross Domestic Product (GDP), investment, gross domestic savings and international trade of the Indonesian state with data in the period 1971-2020 obtained from the worldbank.org website. The research method uses the Vector Auto Regression (VAR) analysis model with the development of Impulse Response Function (IRF) and Variance Decomposition (VDC) analysis to explain the response of a variable to the shock of the variable itself and other variables. The results of the analysis revealed that the one-way relationship for the variables of investing, saving, and trading was influenced by the variable itself with a lag of one. In addition, the results of IRF analysis show that the variable response of economic growth, investment, savings and international trade is dominated by shocks to economic growth variables, and the results of VDC analysis show that economic growth variables most contribute to the variable response of economic growth itself, investment, savings and international trade. The results of this study can be used as a reference for the formulation of anticipatory policies by the government and Bank Indonesia in preventing the risk of economic crisis by maintaining macroeconomic variable stability so that the level of domestic market confidence is maintained in the outlook. Therefore, the policy stages that can be carried out are to control inflation, reduce the current account deficit, maintain fiscal balance and improve in managing foreign debt.]]>
<![CDATA[Analisis Faktor-faktor yang Mempengaruhi Keberhasilan Program Zakat Produktif dalam Meningkatkan Kesejahteraan Mustahik ]]>
<![CDATA[Rizki, Rizki Yuliana]]>;
<![CDATA[Yenni Samri Juliati Nasution]]>;
<![CDATA[Muhammad Syahbudi]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.5919
<![CDATA[The purpose of this study is to analyze what factors affect the welfare of mustahik in managing productive zakat. The independent variables in this study include work ethic, training and mentoring. While the dependent variable is the mustahik's welfare. The population in this study are zakat recipients in the economic program from 2019 to 2021 totaling 52 mustahik who are fostered by Dompet Dhuafa Waspada, so that these 52 mustahik are the samples in the study. In addition, this study collected data using a questionnaire so that it uses multiple linear regression analysis in the data analysis method. The approach used is a quantitative approach. The results of the study show that work ethic, training and mentoring variables simultaneously have a significant effect on mustahik welfare while partially, work ethic does not have a significant effect on mustahik welfare. While training and mentoring partially have a positive and significant effect on the welfare of mustahik. This study is limited to the zakat institution Dompet Dhuafa Waspada Medan. Work ethic is always related to the quality of human resources. Education is a means of improving work ethic, because education can add skills and open one's perspective of thinking. While the age factor can be an obstacle to a person's work ethic. The age that is no longer productive also influences the level of enthusiasm for work ethic. This research provides new insights about the factors that influence success in managing productive zakat.]]>
<![CDATA[Determinants of Consumer Buying Interest ]]>
<![CDATA[Ramadhani, Adellya Sagita]]>;
<![CDATA[Hayati, Isra]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.6822
<![CDATA[The objective of this study is to evaluate the influence of pricing, product quality, and innovation on consumer purchasing intention within the specific setting of the Syar'I Collection & Parfum Business in Riau. The major data utilised in this study is derived from questionnaire replies. The data were acquired through documentation approaches employing structured questionnaires. This study centres on individuals who engage with Syar'I Collection and Perfume Enterprises. The researchers employed incidental sampling methods to choose participants. The research findings indicate a significant impact of pricing on customer purchasing behaviour within the Syar'I Collection and Perfume industry. This suggests that the implementation of price reductions by Syar'I Collection and Parfum Business companies is likely to enhance consumer inclination towards product purchases. Furthermore, this study elucidates a robust correlation between the quality of products and the level of consumer purchasing interest within the Syar'I Collection and Perfume industry. The findings indicate a positive relationship between the enhancement of product quality by Syar'I Collection and Parfum Business companies and the growing inclination of consumers to make investments in these products. This study provides empirical evidence that highlights the significant influence of product innovation on customer purchasing behaviour within the Syar'I Collection and Perfume Business industry. This statement elucidates that the heightened focus on inventive product offerings by Syar'I Collection and Parfum enterprises has resulted in a surge in consumer enthusiasm in procuring these products.]]>
<![CDATA[Shariah Supervisory Board and Islamic Banks’ Financial Performance: An Evidence from Southeast Asia ]]>
<![CDATA[Abdul Hamid]]>;
<![CDATA[Khairatun Hisan]]>;
<![CDATA[Khairul Anuar bin Ahmad]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.6930
<![CDATA[This study aims to find out the effect of SSB Characteristics on financial performance of Islamic Banks in Southeast Asia, particularly in Malaysia and Indonesia. To establish the relationship between SSB characteristics and financial performance, secondary data from banks’ annual report was collected and then analysed using Panel data regression model and T test with the help of Eviews 10.Result shows that there is no significant effect of the observed characteristics (size, doctoral degree, number of meetings) on financial performance of Islamic banks Originality/value – the strength of this study is that it focuses on the two most prominent countries regarding Islamic finance in Southeast Asia.]]>
<![CDATA[Interaksi Bank Syariah dan Variabel Makroekonomi dalam Mendorong Pertumbuhan Ekonomi di Negara Berkembang ]]>
<![CDATA[Kismawadi, Early Ridho]]>
<![CDATA[ J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Vol 8, No 1 (2023) ]]>
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DOI: 10.32505/j-ebis.v8i1.7055
<![CDATA[This study aims to examine the empirical impact of the Islamic banking sector, inflation rate, and currency exchange rate on the economic growth of Saudi Arabia, United Arab Emirates, Kuwait, Malaysia, Qatar, Bahrain, and Bangladesh from 2014 to 2022. For the purpose of further investigation, a total of 717 observations were selected according to certain criteria. The sample consisted of 24 banks from seven countries that have the highest aggregate assets on a global scale. Data is collected quarterly. This research approach is quantitative research using the Vector Error Correction Model as an analysis technique. Long-term analysis is tested using cointegration analysis. Impulse response function (IRF) and variance decomposition (VD) techniques were used in this study to show how each macroeconomic variable shock affects the short-term dynamic path of all system variables. The results of the study found that the shock of the majority of research variables was responded positively by GDP except for inflation which in the initial period of the shock was responded negatively by GDP. The results of the Variance Decomposition GDP analysis can be explained that in the initial period GDP variance was formed sequentially from the exchange rate variance, inflation, Total Assets of Islamic Banks, Total Assets of Islamic Banks, and the contribution of Islamic bank assets continued to increase during the observation period.]]>
