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Al-Infaq : Jurnal Ekonomi Islam
Published by Universitas Ibn Khaldun Bogor
ISSN : 20872178     EISSN : 25796453     DOI : https://doi.org/10.32832/alinfaq
Core Subject : Economy, Education,
Economics, Econometrics & Finance Education Mathematics
Al-Infaq : Jurnal Ekonomi Islam published twice a year since 2010 (June and December), is a multilingual (Bahasa and English), peer-reviewed journal, and specializes in Islamic Economic. This journal is published by the Islamic Economic Department, Faculty of Islamic Studies, and Doctoral Program of Islamic Economic, Graduate School, Ibn Khaldun University of Bogor, in partnership with Ibn Khaldun University of Bogor, Indonesia, in partnership with Masyarakat Ekonomi Syariah (MES) Wilayah Bogor. Editors welcome scholars, researchers and practitioners of Islamic Economic around the world to submit scholarly articles to be published through this journal. All articles will be reviewed by experts before accepted for publication. Each author is solely responsible for the content of published articles.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Ilmu Ekonomi, Ekonometrika dan Keuangan (Lain-Lain)
Articles 183 Documents
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ANALISA TINGKAT PENGEMBALIAN PEMBIAYAAN BANK SYARIAH YANG LEBIH TINGGI DIBANDINGKAN DENGAN BANK KONVENSIONAL: STUDI KASUS MALAYSIA Arsyianti, Laily Dwi; Beik, Irfan Syauqi
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 1 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Islamic banking industry has become financial-nerve centre in today’s world economy, particularly in the last three decades. It has attracted various entrepreneurs and enterprises to get its financing. However, Islamic banks tend to have a higher rate of financing compared to the conventional ones. This less competitiveness encourage the demand for Islamic products may fall leaving the Islamic banks. Good debtors opted for conventional loans since the interest rates paid were relatively lower and the rest (the bad debtors) successfully made their way to Islamic banks. Therefore, the non-performing financing of Islamic banks is high. This paper attempts to analyze factors that determine high rate of financing in Islamic banks, by taking the case of Malaysian Islamic banks. In this paper, the top three of Islamic banks and conventional banks are selected for comparison. It finds that high default premium contribute significantly to the high financing rate, while the overheads per capital is no more significantly contribute to it. Hence, the Islamic banks should diversify their assets and implement universal banking concept.
DETERMINANTS OF BANKING CREDIT DEFAULT IN INDONESIA: A COMPARATIVE ANALYSIS Imaduddin, Muhammad
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 1 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Departing from the model developed by Jimẽnez and Saurina (2006), this study aims to analyse the determinants of Islamic banking credit default compared with conventional banking in Indonesia. This study utilised time-series analysis, by which ordinary least square method is adopted. 40 monthly data observations from January 2003 until April 2006 are used. The study is divided into two models, namely Islamic banking model and conventional banking model. The values of non-performing financing (NPF) in Islamic banking and nonperforming loan (NPL) in conventional banking are treated as the dependent variables. The results showed that two-month lagged of non-performing financing (NPF), total asset (ASSET), the amount of third-party-funds (TPF), one-month lagged of total financing (DFIN),and growth of gross-domestic product (GDPG) variables have significant impact to the ratio of non-performing financing (NPF) in Islamic banking. Meanwhile, the three-month lagged of non-performing loan (DDDNPL), total asset (CASSET), three-month as well as two-month period lagged of total loan (DDDCRED and DDCRED), inter-bank money market (PUAB), and growth of gross-domestic (GDPG) are significant to influence the ratio of non-performing loan (NPL) in conventional banking. The result also implied that the general election in 2004 had a significant influence to the ratio of non-performing financing (NPF) in Islamic banking. Eventough from the outset, it seems Islamic banking has a better performance than conventional banking by having a relatively low NPF, this study, however, has found the opposite. Albeit, Islamic banking showing a good long-run as well as short-run dynamics among all variables in the beginning, after modifying the model into autoregressive in the main analysis, results showed that conventional banking has a better performance than Islamic banking with higher correlation of determination. In this regard, we cannot assume that Islamic banking is performing poorly in managing credit default problems. This isbecause the result implied that the level of Islamic banking’s R-squared, R-bar-squared and DW values are good. Therefore, although Islamic banking is relatively a new comer in the Indonesian banking industry, it has shown a good performance in the banking credit risk management and can compete head-on with conventional banking, respectively.
MUSYARAKAH, MUDHARABAH DAN PERTUMBUHAN SEKTOR RIIL Hakiem, Hilman; Waluyo, Desi Silfiaratih
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 1 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Indonesia's economic growth declined in the period 2004-2006. This is caused by too much focus on strengthening the monetary policy, otherwise the real sector less attention. As of May 2006, the bank funds are not channeled into the real sector reached Rp 393 trillion, which is then reinvested in the financial sector. The contradiction of real-monetary sector was due to the high interest rate policy of Bank Indonesia. On the one hand, this policy can reduce inflation, but on the other hand will result in the real sector become slow. This condition requires immediate implementation of an integral and gradual system of Islamic banks as a solution to solving the problem. This paper aims to describe how Islamic banks, through the scheme musyarakah and mudharabah, can improve the real sector growth in the context of overcoming the economic problems of Indonesia.
A STUDY OF FINANCIAL PLANNING OF INDONESIAN FAMILY LIVING IN KUALA LUMPUR, MALAYSIA Arsyianti, Laily Dwi
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Many related studies have been conducted in various developed countries and East Asia countries, but rarely in developing countries, including Indonesia. This study focuses on financial planning of Indonesian families living in Kuala Lumpur, Malaysia. Furthermore, gender and spirituality aspects will be studied regarding the financial decision making in the families and savings and investment pattern will be investigated. The desired objectives that want to be achieved by this research are as follow: to study the pattern of financial decision making made by Indonesian families living in Kuala Lumpur; to investigate the savings and investment planning activities of Indonesian families living in Kuala Lumpur; and to examine the impact of religiosity on their financial decisions. Primary data was obtained through interview method. The interviews were conducted to 10 Indonesian Muslim families. Each couple has their own unique financial planning behaviour. However, among this unique behaviour, there are some redline principles that can show particular pattern, but still, its possibility to generalize the pattern is not that accurate. Consequently, further study regarding the uniqueness behaviour of families living in or originally from developingcountries has to be more investigated to find out what are the rationale behind the scene.
ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN SYARIAH DENGAN PERBANKAN KONVENSIONAL Adhim, Fauzan
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

In conducting the prediction quality level of financial performance, there is the basic approach is fundamental analysis and technical analysis. This analysis is to determine the company's financial performance by using ratios. To assess the soundness of the banking method is used CAMEL (Capital adequacy, Asset quality, Management, Earning, and Liquidity) which is the standard of Bank Indonesia in assessing the soundness of banks. Problems in this study is how the influence of financial ratios which consists of: CAR, NPL, ROE, ROA, BOPO and LDR of financial performance, both from the conventional banking and Islamic banking.
FACTORS AFFECTING ZAKAT PAYMENT THROUGH INSTITUTION OF AMIL: MUZAKKI’S PERSPECTIVES ANALYSIS Ayuniyyah, Qurroh
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

As the third pillar of Islam, zakat has an important role from both social and economic perspectives. Socially, zakat can build brotherhood and sense of belonging among Muslims. Beside purifies the wealth, zakat also can reduce the social gap between the have and the have not. Zakat empirically can alleviate the poverty as well as generate prosperity of the ummah which was realized during the Golden Age of Umar bin Abdul Azis Caliph. At that period, zakat was controlled, collected, and disbursed by trustable and professional amil officers. In Indonesia, the potential of zakat is promising. This condition is indicated by reaching 3.4 percent of Gross Domestic Product (GDP) that equals to 217 trillion Rupiahs (BAZNAS and FEM, 2011). Unfortunately, the realization of the zakat collection is still far behind its potential. In 2010, zakat collection was only 1.5 trillion Rupiahs or less than 1 percent from the expectation. This fact shows that the awareness to pay zakat through institutions in Indonesia is still poor. Therefore, this paper attempts to analyze the factors that determine muzakki to pay zakat through the Institutions by taking case study of Badan Amil Zakat Nasional (BAZNAS), as the National Zakat Board in Indonesia. One hundred respondents from zakat payers through BAZNAS and one hundred respondents from non-institution zakat payers have been selected as the sample of the research. The respondents have been deeply interviewed on December 2009 to February 2010. The samples were determined using purposive convenience sampling (non probability sampling). Descriptive statistics, IPA (Importance Performance Analysis) and CSI (Customer Satisfaction Index) methods have been used as analytical methods.
MEMPERKUAT PERAN SUKUK NEGARA DALAM PEMBANGUNAN EKONOMI INDONESIA Beik, Irfan Syauqi
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Sukuk is one of the Islamic financial instruments which grows up very rapidly for the last two decades. Globally sukuk issuance has reached USD 199.18 billion as of December 2010. It is expected to increase over time. Indonesia being the most populous Muslim country in the world should play more active role in utilizing sukuk as its developmental instrument. This paper attempts to discuss the importance of using sukuk, especially sovereign sukuk known as SBSN (Surat Berharga Syariah Negara), in the development of Indonesia’s economy. In order to have bigger multiplier effect towards the economy, sovereign sukuk issuance must be focused on three major orientation, i.e. infrastructure development, labor intensive sectors and optimization of local potential. Hence, better regulation support and innovative sukuk product are highly needed.
HUKUM DAN PERTUMBUHAN EKONOMI: KASUS INDONESIA DALAM PERSPEKTIF EKONOMI ISLAM Wahyu, Bambang
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

This paper is aimed to provide the important way to relate economics growth under the law. The problem of economics growth which has no significant result to many countries economics development is lied on decoupling between macroeconomics and microeconomics. Government took widely way to market to decide economic growth roll so created a negative effect to gross domestic product, unemployment and poverty numbers. In Islam, government has a function as regulatory law in order to enforce and control market mechanism to attain effectively economic growth.
STUDI ANALISIS TERHADAP KINERJA BADAN AMIL ZAKAT (BAZ) KOTA BOGOR DALAM MENINGKATKAN JUMLAH USAHA PRODUKTIF PARA MUSTAHIQ Apriansyah, Arif
Al-Infaq: Jurnal Ekonomi Islam Vol. 2 No. 2 (2011)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Since 2006, BAZ Bogor has stared a business that helps mustahiq to expand its business. Shaped in the form of revolving capital and business guidance, so that poor families can finally do its business independently and productively, and slowly delivers them in a more decent life, and eventually their status can be changed to Muzakki. If the mandate can be implemented by the Amil Zakat as one of the city of Bogor in Indonesia LPZ, undoubtedly can help alleviate or at least can reduce poverty.
ISLAMIC FINANCE-ECONOMIC GROWTH NEXUS IN BANGLADESH: AN ARDL APPROACH Chowdhury, Nazreen Tabssum; Abduh, Muhamad
Al-Infaq: Jurnal Ekonomi Islam Vol. 3 No. 1 (2012)
Publisher : Fakultas Agama Islam, Universitas Ibn Khaldun Bogor

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Abstract

Unlike previous banking system, today there are several Islamic Banks are operating by offering various kinds of Islamic products in the world. Some countries introduced Islamic Banking system earlier than others but the products and the services which are offered by Islamic Banks are slightly different from one country to another. Islamic banks have been operating in Bangladesh from last three decades together with the conventional banks. This research aimed to examine the relationship between Islamic banking developments to the country’s growth from evidence of Bangladesh. By looking at the relationship tried to examine the nature of the relationship long run effects on economy. The research questions were “does Islamic banks in Bangladesh contribute in country's economic growth by increasing performance? And what kind of relationship exists between Islamic banks development and Bangladesh's economic growth?”. Quarterly data were used from the period of Q1:2004 to Q2:2011.Auto Regressive Distributed Lag (ARDL) bound testing technique for cointegration was applied to estimate the long run relationship. A long run relationship was found between Islamic financing and economic growth which shows demand following relationship.

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