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All Journal Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Buletin Ekonomi Moneter dan Perbankan Budapest International Research and Critics Institute-Journal (BIRCI-Journal): Humanities and Social Sciences el-Amwal : Jurnal Ekonomi dan Keuangan Islam
Rifki Ismal
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Pengukuran Risiko Operasional Pada Bank Syariah Indonesia (Studi Kasus Bank Syariah XYZ) Yudi Yudiana; Didin Hafidhuddin; Rifki Ismal
Jurnal Aplikasi Bisnis dan Manajemen (JABM) Vol. 4 No. 2 (2018): JABM Vol. 4 No. 2, Mei 2018
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.4.2.179

Abstract

The research aimed at calculating the Operational Value at Risk (OpVar) in estimating the probability of the frequency of losses at Sharia Bank of XYZ, analyzing and assessing the event types of operational risks which have a great contribution in the operational losses of the bank, and determining the efficiency levels of the operational value at risk of capital charges of the bank. Measurement of operational risk in this study was conducted using the Loss Distribution Approach (LDA) Aggregated Model, as one of the Advanced Measurement Approach (AMA) models, which theoretically produces more efficient capital charges. The results showed that the contribution of the biggest losses came from the events of business disruption and system failure, execution, delivery & process management and internal fraud. The calculation of the operational risk of the bank conducted using the LDA-Aggregate produced lower capital charges than those using the Basic Indicator Approach.Keywords: Islamic bank, operational risk measurement, advanced measurement approach, loss distribution approachAbstrak: Penelitian ini bertujuan melakukan perhitungan Operational Value at Risk (OpVaR) untuk mengestimasi peluang kejadian kerugian (probability of the frequency of losses) di bank syariah xyz; menganalisis dan mengevaluasi tipe kejadian risiko operasional yang berkontribusi besar pada kerugian operasional bank syariah xyz; menentukan besarnya tingkat efisiensi beban modal risiko operasional bank syariah xyz. Pengukuran risiko operasional dalam penelitian ini menggunakan Loss Distribution Approach (LDA) Aggregated Model sebagai salah satu internal model Advanced Measurement Approach (AMA) yang secara teori menghasilkan beban modal yang lebih efisien. Hasil penelitian menunjukkan kerugian terbesar terdapat pada tipe kejadian business disruption & system failure, execution, delivery & process management dan internal fraud. Perhitungan risiko operasional bank syariah xyz dengan menggunakan Metode LDA-Aggregate menghasilkan beban modal yang lebih rendah dibandingkan dengan penggunaan metode Basic Indicator Approach.Kata kunci: bank syariah, pengukuran risiko operasional, advanced measurement approach, loss distribution approach
INDONESIAN BOND MARKET: REDEMPTION IN AUGUST – DECEMBER 2005 Rifki Ismal
Buletin Ekonomi Moneter dan Perbankan Vol 9 No 1 (2006)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3098.463 KB) | DOI: 10.21098/bemp.v9i1.151

Abstract

Pasar obligasi dan reksadana relatif masih baru di pasar keuangan Indonesia. Namun demikian, perkembangan kedua pasar tersebut cukup menjanjikan baik dari sisi jenis instrumen yang ditawarkan, jumlah investor maupun nilai investasi yang ditanamkan. Pada periode Agustus – Desember 2005 lalu, kedua pasar tersebut mendapat tekanan yang cukup berat dan hampir menumbangkan perusahaan-perusahaan sekuritas besar karena besarnya jumlah likuiditas yang ditarik investor (redemption).Paper ini mencoba menganalisa kejadian yang menimpa pasar obligasi dan reksadana tersebut baik sumber tekanan yang utamanya adalah berasal dari faktor makroekonomi dan faktor pasar, besarnya dampak redemption sampai ke langkah-langkah penyelamatan yang ditempuh pemerintah (Bank Indonesia, Bapepam, dll)Ke depannya, para pelaku pasar termasuk para investor harus lebih mendapat edukasi yang benar dan positif mengenai investasi di pasar obligasi maupun reksadana. Selain itu, regulator juga diharapkan dapat mematangkan perkembangan kedua pasar melalui peraturan-peraturan yang mendukung termasuk proses komunikasi peraturan-peraturan tersebut kepada seluruh pihak terkait di pasar obligasi maupun reksadana.Keywords: ITF, BI rate, hedge bond, guaranteed deposit, NAV, core inflationJEL Classification: E44, G11
PENELITIAN TENTANG APAKAH PENERAPAN OTONOMI DAERAH KHUSUSNYA ALOKASI DANA PERIMBANGAN KEUANGAN PUSAT DAN DAERAH (PKPD) DAN NON-PKPD SELAMA TAHUN 2001 TELAH MEMBERIKAN DAMPAK KEPADA PENGENDALIAN MONETER ? Rifki Ismal
Buletin Ekonomi Moneter dan Perbankan Vol 5 No 2 (2002)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (877.557 KB) | DOI: 10.21098/bemp.v5i2.309

Abstract

Paper ini akan mencoba membahas dampak penerapan otonomi daerah, khususnya dampak alokasi atau penyaluran dana perimbangan keuangan pusat dan daerah terhadap pengendalian moneter selama periode pertama (tahun pertama) penerapan otonomi daerah. Langkah pertama yaitu mencoba menghitung besarnya alokasi dana perimbangan yang diterima tiap daerah di Indonesia, kedua, kemana dana tersebut dialokasikan/ditempatkan oleh masing-masing daerah (perbankan di daerah), ketiga, apakah ada pencairan dana dan kesimpulan serta langkah-langkah yang dapat diambil oleh otoritas moneter untuk menghadapi pelaksanaan otonomi daerah tahun depan.
Determinant of Sharia Bank's Financial Performance during the Covid-19 Pandemic Reza Nurul Ichsan; Sudirman Suparmin; Mohammad Yusuf; Rifki Ismal; Saleh Sitompul
Budapest International Research and Critics Institute (BIRCI-Journal): Humanities and Social Sciences Vol 4, No 1 (2021): Budapest International Research and Critics Institute February
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v4i1.1594

Abstract

Financial performance as a measuring instrument to know the process of implementing financial resources owned by the company. The Covid-19 pandemic has impacted the banking sector, resulting in poor financing due to debtors' disbursements as a result of the large number of people losing their jobs and difficulties in financing payments. This research aims to analyze the financial performance of Islamic Banks during the Covid-19 pandemic, using records of annual financial statements from 2011 to 2020 through Multiple Linear Regression testing and linearity testing of the model used ramsey test. As a result of this study, the results of the t test found that the Capital Adequacy Ratio (CAR), Operating Costs to Operating Income (BOPO), Financing to Deposit Ratio (FDR) had a positive and significant effect on financial performance (ROA) while Not Performing Financing (NPF) had a negative and insignificant effect on financial performance (ROA). Furthermore, simultaneously capital adequacy ratio (CAR), Operating Costs to Operating Income (BOPO), Financing to Deposit Ratio (FDR) and Not Performing Financing (NPF) significantly influenced the financial performance (ROA) of Sharia banks in Indonesia.
MAQASID SHARIA IMPLEMENTATION IN MONETARY POLICY: A Literature Study Andri Soemitra; Rifki Ismal; Burhanuddin Al-Butary; Ismail Ismail; Arpizal Arpizal; Rijal Allamah Harahap
el-Amwal Vol 4, No 2 (2021): Volume 4 Nomor 2, September 2021
Publisher : LPPM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/el-amwal.v4i2.5863

Abstract

The Islamic economic system also contributes to the global economy, including in Indonesia. However, the extent to which the implementation of sharia maqasid in it still needs further research. This article tries to explore the extent of the implementation of maqasid sharia in monetary policy, especially in Indonesia. The methodology used is a literature study approach to 100 national and international journal articles, as well as books and other literature related to the implementation of the sharia maqasid. The main finding of this research is that Islamic maqasid is not only needed to formulate economic policies, both monetary, fiscal and financial policies, but also to create Islamic banking products and other real sectors
Optimal Portfolio Based Risk and Return of Corporate Sukuk in Indonesia Wahyu Rosid; Idqan Fahmi; Rifki Ismal
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6200

Abstract

This study aims to analyze the optimal portfolio of corporate sukuk in Indonesia using the risk return analysis approach and the CML (Capital Market Line) model in order to foster investor interest in investing in corporate sukuk instruments. This research was conducted using data throughout 2014 – 2018 and is divided into three measurement periods, namely the crisis period (2014-2016), post-crisis (2016-2018) and long-term (2014-2018), each period representing Indonesia's economic condition. and globally. The results showed that during the crisis period, sukuk with ijarah were superior both in risk and return compared to mudharabah, so that the optimal portfolio composition was to maximize the composition of ijarah. However, in the post-crisis period (improvement of economic conditions) and long-term measurements, the composition of the existing portfolio is more varied depending on the goals of each investor, either to maximize returns or to minimize risk. However, in the post-crisis period (improvement of economic conditions) and long-term measurements, the composition of the existing portfolio is more varied depending on the goals of each investor, either to maximize returns or to minimize risk. The optimal portfolio combination (referring to the benchmark rate) between sukuk mudharabah and sukuk ijarah is 0% mudharabah: 100% ijarah for the period 2014 – 2016 with a return rate of 3.9 and a risk of 0.49, 81% mudharabah : 19% ijarah for the period 2016 – 2018 with a return rate of 2.71 and a risk of 0.65, and 85% mudharabah: 15% ijarah for the period 2014 – 2018 with a return rate of 2.77 and a risk of 0.79. This combination can form an efficient frontier that provides a comparison of the same level of return and risk.
ANALISIS INTERAKSI DAN KONTRIBUSI SBIS JUALAH DENGAN PENYALURAN PEMBIAYAAN PERBANKAN SYARIAH Anriza Witi Nasution; Khairina Tambunan; Rifki Ismal; Chuzaimah Batubara
HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi Dan Bisnis Islam │ Vol. 10 │ No. 1 │ 2023
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30829/hf.v10i1.16511

Abstract

In Indonesia, the development of Islamic banking has increased significantly from year to year. Controlling the money supply through financing can be used with SBIS selling contracts as one of the sharia monetary policy instruments. The purpose of this research is to see how far the interaction and contribution of SBIS selling contracts with Islamic banking financing. The analytical method used is VECM. The results show that the causality between these two variables is not significant and for the interaction response both show stability in both the short and long term. This research recommends that SBIS is not only in the form of a ju'alah contract but also the implementation of the contracts given by the MUI.
Co-Authors Andri Soemitra Anriza Witi Nasution Arpizal Arpizal Burhanuddin Al-Butary Chuzaimah Batubara Didin Hafidhuddin Idqan Fahmi Ismail Ismail Mohammad Yusuf Pratiwi, Ira Eka Reza Nurul Ichsan Rijal Allamah Harahap Saleh Sitompul Sudirman Suparmin Tambunan, Khairina Wahyu Rosid Yudi Yudiana