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Impact of Financial Inclusion for Welfare : Analyze to Household Level Addury, Multazam Mansyur
Journal of Finance and Islamic Banking Vol 1, No 2 (2018)
Publisher : Institut Agama Islam Negeri Surakarta

One indicator of poverty in a country is still low access to financial facilities to the community. Therefore, a program of massive financial inclusion is currently being campaigned. Financial inclusion is a program that provides easy access to finance (savings and financing) to the community so that it can improve welfare. This study analyzes the part of financial inclusion, namely the influence of the amount of credit and deposits/investments on household income, household consumption expenditure, and household living facilities. The data is taken from the Indonesian Family Life Survey in the period 2000, 2007 and 2014. This research uses panel data regression analysis. The results of the study found that (a) there is a significant effect of the amount of credit on household income, (b) there is a significant influence on the amount of credit and savings/investments on household consumption expenditures, and (c) there is no significant effect on the amount of credit and savings or investment household residence facilities.

The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy Addury, Multazam Mansyur; Nugroho, Anton Priyo; Khalid, Salehuddin
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol 3, No 2 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i2.3170

Introduction to The Problem: Millennials are a generation that has a very rapid growth. More than 30 percent of Indonesia's population is millennials, but many of the Millennials have not been intentioned in investing in sharia stocks.Purpose/Objective Study: The purpose of this research is to examine the impact of sharia financial literacy on Millennials on the intention of investing in sharia stocks, or it has other factors.Design/Methodology/Approach: This research used Sharia financial literacy and the Theory of Planned Behavior. This research used five variables namely Sharia financial literacy, attitudes, subjective norms, behavioral controls, and intentions. This study used purposive sampling method, from muslim millennials in Yogyakarta. Total respondents to this study are 112 with 20-40 years old or a millennials generation and already have income. Multiple linear regression analysis techniques used as primary analytical techniques.Findings: The results proved that Sharia financial literacy and subjective norms did not affect the intention of investing in sharia stocks. Other variables, such as behavioral attitudes and controls, proved to have a significant influence on the intention of investing in sharia stocks.

EFISIENSI DAN KINERJA PERBANKAN SYARIAH DI INDONESIA Multazam Mansyur Addury
Ecoplan Vol 2 No 2 (2019)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Fakultas Ekonomi dan Bisnis Universitas Lambung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20527/ecoplan.v2i2.23

Penelitian ini bertujuan untuk menganalisis pengaruh dari efisiensi terhadap kinerja perbankan syariah dengan menggunakan pangsa pasar sebagai variabel moderator. Data yang digunakan pada penelitian ini berjumlah 7 Bank Umum Syariah yang berbentuk tahunan dari periode 2014 sampai 2018. Teknik analisis data yang digunakan yaitu analisis regresi data panel. Hasil penelitian membuktikan bahwa pertama, efisiensi perbankan syariah memiliki pengaruh yang signifikan terhadap kinerja perbankan syariah. Kedua, pangsa pasar bank syariah tidak berdampak signifikan dalam memoderasi hubungan antara efisiensi terhadap kinerja perbankan syariah. Kata Kunci: Efisiensi, Kinerja, Pangsa Pasar, Bank Syariah

Struktur Modal dan Pembiayaan BPRS di Indonesia Multazam Mansyur Addury
Cakrawala: Jurnal Studi Islam Vol 14 No 2 (2019)
Publisher : Universitas Muhammadiyah Magelang

The development of BPRS is expected to contribute to the market share of Islamic banking in Indonesia. This study aims to analyze the impact of capital structure on the BPRS financing. The object of this research is 164 BPRS in Indonesia, with a range of annual data from 2010 to 2017. The dependent variable is debt and equity-based financing (DEBF). The independent variable is measured using a debt to asset ratio (DAR) and debt to equity ratio (DER). In addition, this study also uses three control variables namely size, GDP growth rate, and provincial inflation. The data analysis technique used is panel data regression. The results show that the capital structure by DAR consistently had a positive and significant effect on the BPRS financing. Moreover, the capital structure by DER does not have a significant effect on the BPRS financing

PENGARUH HARGA MINYAK DUNIA DAN NILAI TUKAR TERHADAP RESIKO PERBANKAN SYARIAH DI INDONESIA PERIODE 2007-2018 Multazam Mansyur Addury
Wahana Islamika: Jurnal Studi Keislaman Vol 5 No 1 (2019): Wahana Islamika : Jurnal Studi Keislaman
Publisher : SEKOLAH TINGGI AGAMA ISLAM AL-HUSAIN MAGELANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.5281/wahanaislamika.v5i1.39

Many factors can influence the risk of Islamic banking, including internal banking and external banking (macroeconomic) factors. To minimize risk, Islamic banking needs to pay attention to fluctuating macroeconomic conditions. The independent variables used in this study are world oil prices and the rupiah exchange rate. The dependent variable used in this study is credit risk as measured by NPF and liquidity risk as measured by FDR in Islamic banking. The data used in this study are secondary data which as a whole are taken from official sources in monthly form starting from January 2007 to December 2018. Data on world oil prices are obtained from OPEC Basket Price, exchange rate data obtained from Pacific Exchange Rate Service, data from NPF and FDR obtained from BI Sharia Banking Statistics (SPS-BI). The results of the study found that world oil prices had a significant effect on credit risk and liquidity risk of Islamic banking, while the exchange rate only had a significant effect on credit risk in Islamic banking.

BANK SYARIAH DALAM PERSPEKTIF NASABAH MUSLIM Multazam Mansyur Addury
Wahana Islamika: Jurnal Studi Keislaman Vol 3 No 1 (2017): Wahana Islamika : Jurnal Studi Keislaman
Publisher : SEKOLAH TINGGI AGAMA ISLAM AL-HUSAIN MAGELANG

Islamic banks that emerge with the concept of interest-free banking are less well received by the public. The development of Islamic banking in Indonesia, accompanied by the emergence of groups who lack confidence in the ability and credibility of Islamic banking. Negative views on Islamic banks can lead to the emergence of social prejudice against Islamic banks. This study uses the postpositivist paradigm with exploratory research design. The sample to be used in this study amounted to 10 of the Muslim customers of conventional banks in the city of Yogyakarta. The data collection techniques used are interviews. The analysis technique uses qualitative descriptive analysis. The results of the study concluded that in terms of stereotypes the respondents did not know clearly related to Islamic banking, respondents considered Islamic banks currently running not in accordance with the existing concepts, some even argued that the application of Islamic banks was the same as conventional banks. Based on the aspects of beliefs and judgments, respondents were only able to mention the impact of the existence of Islamic banks in terms of religiosity only but could not mention real impacts in the community. Based on emotional aspects, respondents felt positive emotions related to Islamic banks and considered Islamic banks to be better than conventional banks but respondents tended to prefer to use conventional banking services. Based on the favorability and liking aspects, respondents considered Islamic banks to be better than conventional banks and respondents felt interested in knowing more about Islamic banks and joined as sharia bank customers

CAPACITY BUILDING ORGANISASI POSKESTREN MAMBA’UL HUDA Abdul Halim Rofi’i; Multazam Mansyur Addury
Khidmatan Vol. 1 No. 1 (2021): Khidmatan
Publisher : Sekolah Tinggi Agama Islam Syubbanul Wathon Magelang

In the form of empowerment of facilities and infrastructure in Islamic boarding schools, Mamba'ul Huda Islamic Boarding School, Kaliabu, there are already available facilities for students in the health sector with the existence of Islamic Boarding School Health Posts or often referred to as Poskestren. The service aims to study and analyze the capacity building of the Mamba'ul Huda Kaliabu's poskestren organization. The approach used in this study is ABCD. ABCD is used in this service because it is considered appropriate to solve problems according to the assets owned by certain groups or institutions. The method used in this service is by holding deliberation, mentoring, and training with the management of the Mamba'ul Huda poskestren. The service results can be concluded that the capacity building of the Mamba'ul Huda Kaliabu poskestren organization has developed well in health services. However, organizing and increasing the knowledge of Husada students still requires supervision, training in the fields of organization, leadership, and skills of Husada students. The author hopes that after this service, they can develop the insight of Husada students in managing the Mamba'ul Huda Poskestren.

The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy Multazam Mansyur Addury; Anton Priyo Nugroho; Salehuddin Khalid
Ihtifaz: Journal of Islamic Economics, Finance, and Banking Vol. 3 No. 2 (2020)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/ijiefb.v3i2.3170

Introduction to The Problem: Millennials are a generation that has a very rapid growth. More than 30 percent of Indonesia's population is millennials, but many of the Millennials have not been intentioned in investing in sharia stocks.Purpose/Objective Study: The purpose of this research is to examine the impact of sharia financial literacy on Millennials on the intention of investing in sharia stocks, or it has other factors.Design/Methodology/Approach: This research used Sharia financial literacy and the Theory of Planned Behavior. This research used five variables namely Sharia financial literacy, attitudes, subjective norms, behavioral controls, and intentions. This study used purposive sampling method, from muslim millennials in Yogyakarta. Total respondents to this study are 112 with 20-40 years old or a millennials generation and already have income. Multiple linear regression analysis techniques used as primary analytical techniques.Findings: The results proved that Sharia financial literacy and subjective norms did not affect the intention of investing in sharia stocks. Other variables, such as behavioral attitudes and controls, proved to have a significant influence on the intention of investing in sharia stocks.

Jaminan Konsumsi Halal pada Jual Beli Ayam Potong di Pasar Lakessi Kota Parepare Dian Resky Pangestu; Multazam Mansyur Addury; Nur Hishaly GH
DIKTUM: Jurnal Syariah dan Hukum Vol 20 No 2 (2022): DIKTUM: Jurnal Syariah dan Hukum
Publisher : Fakultas Syariah dan Hukum Islam Institut Agama Islam Negeri (IAIN) Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (445.509 KB)

The purpose of this study was to examine the relationships between Slaughter Understanding (halal consumption guarantee) and Purchase Interest (buying and selling) of chicken pieces at Lakessi Market, Parepare City. The research method used in this research is mixed methods, namely by combining two form sofresearch, namely quantitative and qualitative research. The number of samples that will be used as part of this research is 100 people. The result of there search is that there is no significant influence on the level of understanding of slaughtering on the interest in buying chicken pieces at Lakessi Market, Parepare City. There were 12 respondents who questioned the process of slaughtering animals at Lakessi Market, Parepare City, but not in detail. This is because consumers fully entrust the slaughtering process to chicken traders.

Do financing models in Islamic bank affect profitability? Evidence from Indonesia and Malaysia Multazam Mansyur Addury
Journal of Islamic Economics Lariba Vol. 9 No. 1 (2023)
Publisher : Department of Islamic Economics, Islamic University of Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jielariba.vol9.iss1.art5

IntroductionPrevious literature discussed financing's impact on performance without separating the financing model. Additionally, previous research has used financing in the form of Loans to Total Assets (LTA); a proxy used to assess bank liquidity.ObjectivesThis study aims to analyze the influence of financing models on Islamic Banks’ performance in Indonesia and Malaysia. MethodThe study used Indonesia and Malaysia banks for its pioneering efforts in establishing Islamic banking in Southeast Asia. The study collects data from five Indonesian and four Malaysian Islamic banks, with an observation period of 2011–2020. The data analysis used in this study was the Generalized Method of Moment (GMM).ResultsIn Indonesia, debt financing has a positive and significant impact on Return on Assets (ROA), while equity financing has a negative and significant impact on ROA; debt financing significantly affects Return on Equity (ROE), while equity financing does not have a significant impact on ROE. In Malaysia, equity financing has a positive and significant impact on ROA, while debt financing does not significantly affect ROA; debt financing has a positive and significant impact on ROE, while equity financing has a negative and significant influence on ROE. ImplicationsThe results highlight the importance of considering the specific characteristics of each country's Islamic banking industry when formulating financing strategies.Originality/NoveltyThis study highlights unique aspect of financing that contribute to Islamic banks profitability in Indonesia and Malaysia.

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