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All Journal Jurnal Reviu Akuntansi dan Keuangan JURNAL ECONOMIA Jurnal Keuangan dan Perbankan JDM (Jurnal Dinamika Manajemen) IQTISHADIA Episteme: Jurnal Pengembangan Ilmu Keislaman Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen & Keuangan Economica: Jurnal Ekonomi Islam JURNAL AKUNTANSI, EKONOMI dan MANAJEMEN BISNIS JURNAL SYARIKAH : JURNAL EKONOMI ISLAM Dinasti International Journal of Education Management and Social Science Target : Jurnal Manajemen Bisnis Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Jurnal Muhammadiyah Manajemen Bisnis (JMMB) Jurnal Info Sains : Informatika dan Sains Proceeding International Seminar of Islamic Studies Islamiconomic: Jurnal Ekonomi Islam Perbanas Journal of Islamic Economics and Business Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Inovator : Jurnal Manajemen

Muhammad Iqbal

Perbanas Institute

Author-ID : 2429491

Religion Arts Humanities Astronomy Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Mathematics Physics Social Sciences Other

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SYNERGY OF SHARIA BANKS AND FINANCIAL TECHNOLOGY IN THE DEVELOPMENT OF MICRO, SMALL AND MEDIUM BUSINESSES IN INDONESIA Muhammad Haris; Muhammad Iqbal; Puji Hadiyati
Jurnal Reviu Akuntansi dan Keuangan Vol. 10 No. 1: Jurnal Reviu Akuntansi dan Keuangan
Publisher : Universitas Muhammadiyah Malang

ABSTRACTThe purpose of this study is to analyze the synergy between sharia bank and fintech to effort and develop micro, small and medium enterprises (MSMEs) in Indonesia. Data and information were obtained through interview to expert respondents in their fields such as BNI Syariah, Ammana Fintek Syariah and the Otoritas Jasa Keuangan (OJK). This study has been conducted from July 2018 to March 2019. To provide a deep understanding, this study uses a qualitative approach. The results of the study to show that the opportunity to create synergy between Sharia Bank and Sharia Fintech in order to develop MSMEs in Indonesia is still very wide open. This synergy can be done through several existing patterns or synergy models, including through cross-selling schemes, channeling, references, shadow investors, outsourcing platform and Fintech consortium. The benefits of this synergy include empowering MSMEs, facilitating financial services that are practical, comfortable, safe, have speed, sophistication and up-to-date and are more efficient. The challenges ahead are in terms of human resources competence and support from regulators for policy relaxation. Risks that must be properly mitigated from these synergies, such as the risk of credibility, technology, default and operations.KEYWORDS: Financial Technology (Fintech); Micro; Small and Medium Enterprises; Sharia Bank, Synergy.

Increasing Community Awareness and Intention in Encouraging The Growth of Cash Waqf Muhammad Iqbal; Prameswara Samofa Nadya; Saripudin Saripudin; Puji Hadiyati
Economica: Jurnal Ekonomi Islam Vol 10, No 1 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2019.10.1.3152

This study aims to identify factors that determine the awareness, intention and decision of the Indonesian people to cash waqf. Data collection techniques using purposive sampling with PLS (Partial Least Squared) method as a data analysis tool in this study includes a path analysis model. The results obtained show that the social environment and understanding affect one's awareness and interest in cash waqf. The emergence of awareness and intention will encourage the person to carry out cash waqf. While the promotion of cash waqf does not affect awareness and intentions which in the end will not encourage someone to cash waqf.Penelitian ini bertujuan mengidentifikasi faktor-faktor yang menentukan kesadaran, minat dan keputusan masyarakat Indonesia untuk berwakaf uang. Teknik penggumpulan data menggunakan purposive sampling dengan metode PLS (Partial Least Squared) sebagai alat analisis data yang dalam penelitian ini memuat model analisis jalur. Hasil yang diperoleh menunjukkan bahwa lingkungan sosial dan pemahaman mempengaruhi kesadaran dan minat seseorang akan wakaf uang. Munculnya kesadaran dan minat akan mendorong orang tersebut untuk melaksanakan wakaf uang. Sedangkan promosi tentang wakaf uang tidak mempengaruhi kesadaran dan minat yang pada akhirnya tidak akan mendorong seseorang untuk berwakaf uang.

Mapping of Islamic Bank Financial Distress in Indonesia Muhammad Iqbal; Selamet Riyadi; Priska Sabrianti; Afifah Nur Afidah
Jurnal Economia Vol 14, No 2: October 2018
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Abstract: Mapping of Islamic Bank Financial Distress in Indonesia. This study aims to identify and analyse the level of financial distress of Indonesian Islamic Bank. The data of this study would be utilised to map the level of financial distress of various Islamic banks. This study also aims to assess the level of financial distress by utilising different methods and compare the result. This study measures the level of financial distress by using three different methods, which are: Altman Modification method, Bankometer and Risk Based Bank Rating. This study uses a comparative descriptive approach with eleven samples of Islamic Commercial Banks in Indonesia during 2010-2016. This study finds that Islamic banks in Indonesia are not indicated to have financial distress, but still have the potential to experience financial distress, where each Islamic Bank has different levels of financial distress with another. The three methods of measuring the level of financial distress have differences in measuring financial difficulties in Islamic banks. Keywords: Islamic bank, financial distress, altman modification, bankometerAbstrak: Pemetaan Tingkat Kesulitan Keuangan Bank Syariah di Indonesia. Penelitian ini bertujuan melihat seberapa besar tingkat kesulitan keuangan yang terjadi pada bank syariah di Indonesia. Data penelitian ini ditujukan untuk memetakan keberagaman tingkat kesulitan keuangan bank syariah serta mencoba membandingkan beberapa metode penilaian kesulitan keuangan bank yang ada pada bank syariah. Pengukuran tingkat kesulitan keuangan menggunakan tiga metode yang berbeda, yaitu: metode Altman Modifikasi, Bankometer dan Risk Based Bank Rating. Metode penelitian menggunakan pendekatan deskriptif komparatif dengan sampel sebelas Bank Umum Syariah di Indonesia selama periode 2010-2016. Hasil penelitian menunjukkan bahwa bank syariah di Indonesia tidak terindikasi mengalami kesulitan keuangan, namun tetap berpotensi mengalami kesulitan keuangan dengan tingkat kesulitan keuangan yang berbeda antara satu bank syariah dengan bank syariah lainnya. Penelitian ini juga menemukan bahwa ketiga metode pengukuran tingkat kesulitan keuangan yang digunakan pada penelitian ini memberikan hasil yang berbeda dalam mengukur kesulitan keuangan pada bank syariah. Kata kunci: Bank Syariah, Kesulitan Keuangan, Altman Modifikasi, Bankometer

Can the Efficiency of Islamic Banks in Indonesia Improve Their Competitiveness? Muhammad Iqbal; Dwi Yanti Yunianita
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 12, No 1 (2020)
Publisher : IAIN Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v1i1.5862

The development of Islamic banks today has contributed to the emergence of increasingly competitive competition between Islamic banks. Efficiency performance is believed to be a major factor in driving competitiveness among Islamic banks. This study aims to analyze the efficiency performance of Islamic banks in Indonesia and their effect on competitiveness. The sample used was 11 Islamic banks in Indonesia. The data used in this study were obtained from annual financial reports published from the OJK website and each bank during the period of 2012 - 2017. The approach used to measure efficiency performance uses the Data Envelopment Analysis (DEA) method, while the data analysis method uses One Way ANOVA and panel data regression. The results of measuring the efficiency performance of Islamic banks in Indonesia are still quite efficient, although during the study period several banks experienced a decrease in efficiency which resulted in differences in efficiency of performance among Islamic banks. Changes in efficiency performance do not have an impact on the competitiveness of Islamic banks themselves.

PERAN LAYANAN MOBILE BANKING DALAM MENINGKATKAN KEPUASAN DAN LOYALITAS NASABAH BANK SYARIAH Debi Triyanti; Reny Fitriana Kaban; Muhammad Iqbal
JURNAL MUHAMMADIYAH MANAJEMEN BISNIS Vol 2, No 1 (2021): Jurnal Muhammadiyah Manajemen Bisnis (JMMB)
Publisher : Universitas Muhammadiyah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24853/jmmb.2.1.51-62.

Penelitian ini bertujuan mengetahui kualitas layanan mobile banking dalam meningkatkan kepuasan nasabah dan dampaknya terhadap loyalitas nasabah bank syariah. Metode Partial Least Square (PLS) digunakan sebagai metode analisis data guna mengetahui sejauh mana peningkatan kepuasan nasabah dapat berperan sebagai variabel intervening dalam mempengaruhi kualitas layanan terhadap loyalitas nasabah. Sampel penelitian diperoleh dari nasabah Bank Syariah Mandiri kantor cabang Tomang. Hasil penelitian ini menunjukkan bahwa kualitas layanan mobile banking berpengaruh signifikansi terhadap kepuasan nasabah namun tidak berpengaruh langsung terhadap loyalitas nasabah. Meskipun demikian, kualitas layanan mobile banking tetap berpengaruh secara tidak langsung terhadap loyalitas nasabah melalui peran kepuasan nasabah. Hal ini menunjukkan bahwa kepuasan nasabah memediasi kualitas layanan mobile banking terhadap loyalitas nasabah bank syariah

Sistem Peringatan Dini Ketahanan Perbankan Terhadap Guncangan Internal dan Eksternal Dengan Model Artifical Neural Network Muhammad Iqbal; Azmia Ulfah; Selamet Riyadi
Target : Jurnal Manajemen Bisnis Vol 2 No 1 (2020)
Publisher : Universitas Bumigora

Sistem stabilitas keuangan adalah sistem kompleks yang terbentuk dan terkait dengan kebijakan ekonomi dan moneter di negara tersebut. Oleh karena itu diperlukan suatu model untuk dapat memprediksi secara cepat dan akurat ketidakstabilan sistem keuangan yang mungkin terjadi. Penelitian ini bertujuan untuk membangun model Artifical Neural Network (ANN) sebagai sistem peringatan dini untuk memprediksi kegagalan perbankan berdasarkan kepatuhan bank. Penelitian ini menggabungkan faktor internal dan eksternal yang mempengaruhi kinerja perbankan sebagai indikator. Hasil penelitian ini membuktikan bahwa ANN dapat digunakan sebagai metode alternatif untuk mendeteksi tingkat keberlanjutan suatu bank.

THE INFLUENCE FROM FINANCIAL PERFORMANCE ON EARNING PER SHARE (EPS) WITH SOUNDNESS LEVEL OF BANKS AS INTERVENING VARIABLE AT BUKU IV BANKS CATEGORY IN INDONESIA Rosmery Thomas; Selamet Riyadi; Zaenal Abidin; Muhammad Iqbal
Dinasti International Journal of Education Management And Social Science Vol 2 No 1 (2020): Dinasti International Journal of Education Management and Social Science (October
Publisher : Dinasti Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31933/dijemss.v2i1.560

The purpose of this research was to analyze those influence of financial ratios towards earnings per share with soundness level of banks as an intervening variable based on risk-based bank rating method at BUKU IV Banks in Indonesia for the period of 2015-2019. The six banks are PT Bank Mandiri Tbk, PT Bank Rakyat Indonesia Tbk, PT Bank Negara Indonesia Tbk, PT Bank Central Asia Tbk, PT Bank CIMB Niaga Tbk and PT Bank Danamon Indonesia Tbk. This research used secondary data with quantitative approach. Data analysis technique used panel data regression by purposive sampling. The results showed that NPL & GCG had significant negative influence on soundness level of banks and NPL had significant negative impact on EPS. GCG had significant positive influence against EPS, and ROA & CAR did not have significant positive impact towards soundness level of banks & EPS, while soundness level of banks were not found to have significant negative affect to EPS, and soundness level of banks did not mediate NPL, GCG, ROA and CAR in affecting EPS

ENCOURAGE PEOPLE’S INTEREST TO DO CASH WAQF Puji Hadiyati; Annisa Indah Gladys; Muhammad Iqbal
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 11, No 2 (2020)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat (LP2M) Universitas Islam Negeri (UIN)

This study aims to identify the community interest to cash waqf. The population of this study are people living in Jabodetabek area. Variables used in this study include knowledge, understanding, awareness and promotion of community interest to cash waqf. Simple Random Sampling is the sampling method in this research and regression with ordinary least squared approach become its analysis method. The results show that knowledge and understanding do not have an influence on the community interest to doo cash waqf, while the awareness and promotion variables affect the community interest to do cash waqf.

Problems and Solutions for The Development of Sustainable Cash Waqf Linked Sukuk (CWLS) Rana Catleya Ega Afifah; Muhammad Iqbal
IQTISHADIA Vol 15, No 1 (2022): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v15i1.11464

The purpose of the research is to identify the problems that exist in the implementation of the Cash Waqf Linked Sukuk (CWLS) program as well as alternative solutions for sustainable development. This study uses a qualitative approach with the Analytic Network Process (ANP) method through literature studies, in-depth interviews, and giving questionnaires to regulators, practitioners, and academics related to the CWLS program. Based on the results from several sources, it was found that the problems arising from the CWLS program were grouped into three important aspects: collection, management, and reporting. The main problems that are of concern to the aspect of the gathering are institutional capacity, community knowledge, and community literacy and education. In the management aspect, the main problem lies in the knowledge of Nazhir and the capacity of professional Nazhir human resources. While the reporting aspect is the use of information technology which is the main problem. The research results obtained five solutions for developing CWLS to run sustainably. Of the five strategies offered between one another, none is more dominant. Therefore, the five strategies need to be implemented simultaneously to achieve a sustainable CWLS program.

Pengaruh Religiusitas, Kualitas Layanan, dan Promosi Terhadap Minat Menabung di Bank Syariah Hilmi Musyaffa; Muhammad Iqbal
Perbanas Journal of Islamic Economics and Business Vol 2 No 2 (2022): Perbanas Journal of Islamic Economics and Business
Publisher : Perbanas Institute

This study aims to analyze the effect of religiosity, service quality, and promotion on interest in saving in Islamic banks. The research uses a quantitative approach with multiple linear regression analysis techniques as the data analysis method. Data collection using purposive sampling technique with a Muslim population domiciled in Central Jakarta. The results obtained from this study show that religiosity and service quality do not affect interest in saving, while promotion affects interest in saving. The religiosity of a Muslim does not affect the person's interest in saving in Islamic banks. Likewise, the quality of services from Islamic banks does not determine a Muslim's interest in saving. Promotion is the only factor in this study that encourages a Muslim's interest in saving in Islamic banks. The high promotion of a Muslim about Islamic banking will increase that person's interest in saving in Islamic banks. Keywords: Religiosity, Service quality, Promotion, Interest in saving

Co-Authors Afifah Nur Afidah Alindha Farezha Nasution Alwyni, Farouk Abdullah Anak Agung Istri Sri Wiadnyani Annisa Arifah Pangastuti Annisa Indah Gladys Arianto Muditomo Arum Setiawan Aviliani Aviliani Azmia Ulfah Catur Yuono Prasetyo, Catur Yuono Debi Triyanti Dede Fadli, Dede Denia Maulani Diah Ernawati Dian Kurniawati Doni Prakasa Eka Putra Doni Setiawan Dwi Yanti Yunianita FAWZI BHAKTI PRESTAMA Hedwigis Esti Riwayati Heru Hendrayana Hilda Zulkifli Hilmi Musyaffa Ilafi Rani Yoasti Indra Yustian Jumiati Jumiati Maulidian, Muhammad Okta Ridha Muchamad Zaenuri, Muchamad Muhammad Eko Atmojo, Muhammad Eko Muhammad Farhan Muhammad Farouq Rosyadi Muhammad Haris MUHAMMAD HARIS Nadya, Prameswara Samofa Novia Lauren, Novia Novia Zalmita Ovalia PRESTAMA, FAWZI BHAKTI Priska Sabrianti Puji Hadiyati Rana Catleya Ega Afifah Rio Firman Saputra, Rio Firman Rosmery Thomas Salsa Dea Safira Saripudin Selamet Riyadi Selamet Riyadi Thomas Triadi Putranto, Thomas Triadi Zaenal Abidin

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