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Dampak dan Strategi Kebijakan Pengembangan Pembiayaan Dan Inklusifitas Keuangan Dalam Peningkatan Pembiayaan Bank Syariah Di Indonesia Asiyah, Binti Nur
BISNIS Vol 5, No 1 (2017): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v5i1.2950

This paper is motivated by the policy of the Financial Services Authority, in which Shariah Banking is able to compete and perform the intermediation function equally and felt by the people of Indonesia. The policy of the Financial Services Authority has a synergy between sharia banking and the Community in the form of easily accessible financing. This paper aims to determine the impact and strategy of development policy of Financing and financial inclusiveness in increasing the financing of Bank Syariah in Indonesia. The method used is qualitative approach, descriptive type. The result of this paper is the policy of development of financing and financial inclusions have a significant impact for the improvement of financing. The strategies for the policy to produce maximum financing; first the need for support from the government as regulatory publishers, universities, state enterprises to support the financing climate; secondly, the shift of regulatory thinking from the achievement of the quantity of funds alone, but also must be based on the number of people who can be served. Third Improvement of Sharia Banking Human Resources with the training policy, providing sufficient incentives and minimum standards for recruitment of sharia banking managers. Thirdly, sharia banking always considers Third Party Funds Management, Fourth; consider the profit-sharing rate used in the financing contract. Fifth, Sharia Banks have the opportunity to cooperate (chanelling) with Non-Governmental Groups that have been free from poverty, and maximize financing for the allocation of Micro Small and Medium Enterprises.

Islamic Prudential Banking Concept to Reduce Non Performing Financing: Literature Review Asiyah, Binti Nur; Nasir, M. Ridlwan; Ahsan, Muhamad
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.5641

Purpose - This paper aims to develop the concept of prudential banking based on sharia principles to minimize non-performing financing in Indonesia.Â Methode - This desk research was based on many relevant studies advanced in the literature.Â The review was particularly focus onÂ Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Sharia Banking Statistics for 2014-2018 was used toÂ sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g.Â Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of Sharia banking in those countries.Â Findings - The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks needÂ to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important ofÂ sharia human resources, sharia product, sharia process (marketing, management, and standard operational procedure (SOP)) as well.Â Research limitation- This research limitation article requires follow-up to explore the potential of applying Islamic prudential banking in depth to Islamic banks in Indonesia and apply it to every operational standard procedure from banks.Â Practical implications â€“ The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing. This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available. Also, it can be implemented by other stakeholders of Islamic Banking .Â Social implication- The social implication of this study Â to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks.Â Originality/Value - The originality of this study is due to the facts that studies on Islamic Prudential Banking have little examination. For this reason, this review study can be used as the important input to developÂ Islamic prudential banking and to be implemented by the banking and the regulatorsÂ

PELARANGAN RIBA DALAM PERBANKAN; IMPACT PADA TERWUJUDNYA KESEJAHTERAAN DI MASA COVID-19 Asiyah, Binti Nur; Yuliani, Nur Azrin; Amelia, Evita; Nasiroh, Fifin
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 1 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i1.2083

The aim of prohibiting usury is to protect people who conduct mu?amalah. Indeed, Al qur?an prohibited it because it is resulted injustice. It is obviously felt in the period of Covid-19 Pandemic. The research purpose was to analyze the problems of applying usury system in banking and to analyze the privileges of prohibiting usury system in banking. The descriptive research was used in this paper. The results show usury systems resulted gaps and injustice. Indeed, it is also caused economic instability. A solution for this problem is profit sharing. This system can bring justice and it will lead into economic equality particularly in the era of Covid-19 pandemic. Therefore, by applying Islamic economic system, the economy is more stable and social welfare can be achieved.

PELARANGAN RIBA DALAM PERBANKAN; IMPACT PADA TERWUJUDNYA KESEJAHTERAAN DI MASA COVID-19 Asiyah, Binti Nur; Yuliani, Nur Azrin; Amelia, Evita; Nasiroh, Fifin
Imara: JURNAL RISET EKONOMI ISLAM Vol 4, No 1 (2020): IMARA: JURNAL RISET EKONOMI ISLAM
Publisher : IAIN Batusangkar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31958/imara.v4i1.2083

The aim of prohibiting usury is to protect people who conduct mu?amalah. Indeed, Al qur?an prohibited it because it is resulted injustice. It is obviously felt in the period of Covid-19 Pandemic. The research purpose was to analyze the problems of applying usury system in banking and to analyze the privileges of prohibiting usury system in banking. The descriptive research was used in this paper. The results show usury systems resulted gaps and injustice. Indeed, it is also caused economic instability. A solution for this problem is profit sharing. This system can bring justice and it will lead into economic equality particularly in the era of Covid-19 pandemic. Therefore, by applying Islamic economic system, the economy is more stable and social welfare can be achieved.

Analisis Dampak Sukuk pada Perekonomian Nasional di Tengah Wabah Covid 19 Asiyah, Binti Nur; Aini, Indah Nur; Mahardika, Rama Prasetya; Laili, Lyliya Nurul
el-Qist : Journal of Islamic Economics and Business (JIEB) Vol. 10 No. 1 (2020): eL-Qist
Publisher : Program Studi Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam UIN Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar

Sukuk is a form of investment that has an impact on the national economy which is currently weakening due to the Covid-19 pandemic. Covid 19 has had an impact on the faltering of the people's economy from business to financial institutions (sharia and conventional). The state has the need to fulfill the state budget in order to address the problem of the impact of covid 19 quickly. This paper is intended to analyze the impact of sukuk on economic growth during the covid pandemic 19. The process of collecting data is done by analyzing data observed through OJK statistics and collecting various information related to covid-19 and the data are analyzed qualitatively. Based on the results of the study it was found that Sukuk became a source of funds for the government to finance development, thus creating new jobs for the community in the long run. Sukuk provide benefits for the liquidity of Islamic financial institutions due to the impact of covid 19, and also investment facilities for the community. Key Words: Impact; Sukuk; national economiy; Covid-19. Abstrak: Sukuk termasuk bentuk investasi yang memberikan dampak bagi perekonomian nasional yang saat ini melemah karena adanya pandemi Covid-19.Covid 19 telah memberikan dampak bagi tersendatnya perekonomian masyarakat mulai bisnis hingga lembaga keuangan (syariah dan konvensional). Negara memiliki kebutuhan pemenuhan APBN guna menjawab masalah dari dampak covid 19 secara cepat. Paper ini dimaksudkan untuk menganalisis dampak sukuk bagi pertumbuhan ekonomi di masa pandemi covid 19. Proses pengumpulan data dilakukan dengan cara menganalisis data yang diobservasi melalui statistik OJK dan mengumpulkan berbagai informasi terkait covid-19 dan data dianalisis secara kualitatif. Berdasarkan hasil pengkajian diperoleh bahwa Sukuk menjadi sumber dana bagi pemerintah untuk membiayai pembangunan, sehingga menciptakan lapangan kerja baru bagi masyarakat dalam jangka panjangnya. Sukuk memberikan kemanfaatan bagi likuiditas lembaga keuangan syariah akibat dampak covid 19, dan juga sarana investasi bagi masyarakat.. Kata Kunci : Dampak; Sukuk; Perekonomian Nasional; Covid-19.

Islamic Prudential Banking Concept to Reduce Non Performing Financing: Literature Review Asiyah, Binti Nur; Nasir, M. Ridlwan; Ahsan, Muhamad
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.5641

Purpose - This paper aims to develop the concept of prudential banking based on sharia principles to minimize non-performing financing in Indonesia.Â Methode - This desk research was based on many relevant studies advanced in the literature.Â The review was particularly focus onÂ Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Sharia Banking Statistics for 2014-2018 was used toÂ sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g.Â Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of Sharia banking in those countries.Â Findings - The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks needÂ to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important ofÂ sharia human resources, sharia product, sharia process (marketing, management, and standard operational procedure (SOP)) as well.Â Research limitation- This research limitation article requires follow-up to explore the potential of applying Islamic prudential banking in depth to Islamic banks in Indonesia and apply it to every operational standard procedure from banks.Â Practical implications â€“ The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing. This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available. Also, it can be implemented by other stakeholders of Islamic Banking .Â Social implication- The social implication of this study Â to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks.Â Originality/Value - The originality of this study is due to the facts that studies on Islamic Prudential Banking have little examination. For this reason, this review study can be used as the important input to developÂ Islamic prudential banking and to be implemented by the banking and the regulatorsÂ

A Study of Mudaraba Financing in Indonesia: The Effect of Temporary Shirkah Fund, Return on Asset (ROA), Financing to Deposit Ratio (FDR) Asiyah, Binti Nur; Aidiawati, Ria; Wahyudi, Amin; Azis, Ishan; Qurratulaini, Intan
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

This article discusses the decline of distribution of mudaraba financing from 2017 to 2019 in a sharia bank in Indonesia, which impacted asset productivity. This study intends to examine the effect of Temporary Shirkah Funds, and Financing to Deposit Ratio on Mudaraba Financing. This study uses a quantitative approach, especially associative research. The sampling technique is non-probability sampling, and the data analysis is multiple regression. The results of this study indicate that (1) Temporary Shirkah Funds have a positive and significant effect on Mudaraba Financing; (2) Return on Assets has a positive and significant effect on Mudaraba Financing; (3) The Financing to Deposit Ratio has a positive and significant effect on Mudaraba Financing; (4) simultaneously Temporary Shirkah Funds, Return on Assets, Financing to Deposit Ratio have a positive and significant effect on Mudaraba Financing. The practical implication of this research is that Islamic banks prioritize Mudaraba Financing to be in line with increasing Murabaha Financing.

ANALISIS PENENTU KEPUTUSAN PEMBELIAN DAN IMPLIKASINYA TERHADAP MINAT BELI ULANG PADA PENGGUNA SHOPEE GENERASI-Z Erma Laelatul Zahroq; Binti Nur Asiyah
Juremi: Jurnal Riset Ekonomi Vol. 2 No. 1: Juli 2022
Publisher : Bajang Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Penelitian dilakukan untuk mengetahui pengaruh promosi, kemudahan, dan persepsi risiko terhadap keputusan pembelian dan implikasinya terhadap minat beli ulang pada pengguna Shopee Generasi Z. Dengan pedekatan penelitian kuantitatif dan jenis penelitian asosiatif. Sampel penelitian diambil dari pengguna shopee generasi Z sejumlah 100 sampel dengan teknik Simple Random Sampling yang berupa data primer yang dikumpulkan menggunakan kuisioner dengan pengukuran skala likert. Analisis data dilakukan menggunakan Analisis Jalur (Path Analysis) dengan taraf signifikasi sebesar 5%. Data diolah dengan aplikasi SPSS 16. Hasil penelitian diketahui promosi, kemudahan dan persepsi risiko berpengaruh signifikan terhadap keputusan pembelian, namun tidak berpengaruh secara langsung terhadap minat beli ulang. Disisi lain secara tidak langsung promosi, kemudahan dan persepsi risiko melalui keputusan pembelian berpengaruh signifikan terhadap keputusan pembelian.

Pengaruh Gender, Kecerdasan Spiritual, dan Status Sosial Ekonomi Orang Tua terhadap Manajemen Keuangan Pribadi Mahasiswa Non Febi Uin Satu Tulungagung Angkatan 2018 Iqbal Alwi Hidayat; Binti Nur Asiyah
YUME : Journal of Management Vol 5, No 2 (2022)
Publisher : Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/yum.v5i2.2657

Penelitian ini dilakukan dengan tujuan mengetahui pengaruh Gender, Kecredasan Spiritual, Dan Status Sosial Ekonomi Orang Tua terhadap Manajemen Keuangan Pribadi yang diteliti khususnya kepada Mahasiswa Non Febi UIN Satu Tulungagung Angkatan 2018. penelitian dilakukan dengan metode penelitian kuantitatif. Data penelitian ini di ambil dengan kuesioner berupa google form dan menggunakan skala likert sebagai pengukur, dengan sampel total berjumlah 78 Mahasiswa. Data diukur dengan analisis regresi berganda sebagai metodenya dan mendapatkan hasil sebagai berikut. Uji-t Variabel Gender menunjukan hasil 0,583 > 0,05 atau variabel Gender tidak mempengaruhi Manajemen Keuangan pribadi. Kecerdasan spiritual menunjukkan hasil 0,000 < 0,05 dengan hasil tersebut maka Kecerdasan Spiritual memiliki pengaruh signiifkan pada Manajemen Keuangan Pribadi. Dan Status Sosial sertasEkonomi Orang-tua Menunnjukan hasil 0,004 < 0,05 yang artinya Status Sosial serta Ekonomi Orang tua juga berpengaruh pada Manajmen Keuangan Pribadi. Lalu pada hasil uji-f yang telah dihitung hasil yang didapatkan ialah 0,000 < 0,05 yang berarti Gender, Kecredasan Spiritual, dan Status Sosial Ekonomi orang tua mempengaruhi mahasiswa Non febi pada faktor manajemen keuangan pribadinya. Kata Kunci : Gender, Kecerdasan Spiritual, Status Sosial Ekonomi Trang Tua, Manajemen Keuangan Pribadi

Pengaruh Rasio Profitabilitas Rasio Solvabilitas, Rasio Pasar, Inflasi Dan Nilai Tukar Rupiah Terhadap Return Saham Nanda Nur Romadhon; Binti Nur Asiyah
Jurnal Mirai Management Vol 7, No 3 (2022)
Publisher : STIE AMKOP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/mirai.v7i3.2997

Abstrak Penurunan return saham yang dialami oleh setiap perusahaan merupakan hal yang biasa, namun setiap perusahaan menginginkan laba yang tinggi untuk meningkatkan kualitas perusahaannya. Tujuan dari penelitian ini yaitu untuk menguji pengaruh rasio profitabilitas, solvabilitas, rasio pasar, inflasi, nilai tukar rupiah terhadap return saham pada perusahaan sektor consumer goods. Metode yang digunakan dalam penelitian ini yaitu pendekatan kuantitatif dan jenis asosiatif. Populasi dalam penelitian ini adalah laporan keuangan 34 perusahaan consumer goods yang terdaftar di bursa efek Indonesia periode 2018-2020. Sampel yang digunakan yaitu berjumlah 10 laporan keuangan consumer goods dengan pengambilan sampel menggunakan purposive sampling. Hasil penelitian menunjukkan bahwa terdapat pengaruh yang signifikan antara variabel rasio profitabilitas, rasio pasar dan nilai tukar terhadap return saham. Sedangkan untuk variabel inflasi tidak memiliki pengaruh yang signifikan terhadap return saham. Hal ini disebabkan bahwa Inflasi mata uang rupiah tidak menjadi acuan investor untuk menanam saham. Adapun variabel rasio solvabilitas tidak menunjukkan adanya signifikan. Akan tetapi, kedua variabel tersebut memiliki pengaruh yang positif. Artinya para investor memiliki sudut pandang yang berbeda pada setiap perusahaan yang bergerak. Kata kunci: Rasio Profitabilitas, Rasio Solvabilitas, Rasio Pasar, Inflasi, Nilai Tukar, Return Saham

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