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Macroeconomics fluctuations and its impact on musharaka financing Faizul Mubarok; Abdul Hamid; Mohammad Nur Rianto Al Arif
Jurnal Keuangan dan Perbankan Vol 24, No 2 (2020): April 2020
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v24i2.4061

Abstract

This study aims to analyze the effect of the movement of macroeconomic variables on financing using the musharaka contract on Islamic banks. This study consists of sharia commercial banks and sharia business units using monthly data from January 2004 to December 2019. This study uses Vector Error Correction Model (VECM) to answer the research objectives. All variables tested have an influence on financing using the musharaka contract. Financing using the musharaka contract responds negatively to movements in the exchange rate and interest rates while inflation responds positively and negatively. Islamic banking needs to prepare more reserve funds in the face of such movements before achieving stability. The musharaka contract financing itself dominates the forecasting then followed by interest rates, inflation, and exchange rates. Therefore, Islamic banking needs to prepare a reserve fund in the face of these shocks before achieving stability. JEL Classification: E31, E43, E52, G32 How to Cite:Mubarok, F., Hamid, A., Al Arif, M. N. R. (2020). Macroeconomics fluctuations and its impact on musharaka financing. Jurnal Keuangan dan Perbankan, 24(2), 164-174.DOI: https://doi.org/10.26905/jkdp.v24i2.4061
ANALISIS VARIABEL PEMBANGUNAN EKONOMI DAN SOSIAL DAERAH PROVINSI SUMATERA SELATAN PERIODE 1980-2013 (SEBUAH KAJIAN DENGAN PENDEKATAN ECM DAN VECM) Abdul Hamid
Esensi: Jurnal Bisnis dan Manajemen Vol 4, No 1 (2014): April 2014
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/ess.v4i1.1952

Abstract

Tujuan penelitian ini adalah untuk menganalisis hubungan keseimbangan  antar variable pembangunan ekonomi dan sosial daerah dengan menggunakan metode vector dan error correction model dan menganalisi kointegrasi serta kausalitas antar variabel dengan menggunakan metode cointegration dan causality. Metode yang digunakan ialah Error Correction Model (ECM) dan Vektor Error Correction Model (VECM). Variabel penelitian ini terdiri dari inflasi, Indeks Harga Konsumen (IHK), dan Produk Domestik Regional Bruto (PDRB) yang mewakili variabel pembangunan ekonomi serta, variabel pembangunan sosial diwakili oleh Indeks Pembangunan manusia (IPM), Kemiskinan dan Pengangguran. Penelitian ini akan menggunakan uji root dengan menggunakan metode Augmented Dickey Fuller test (ADF-test). Hasil penelitian ini menunjukkan bahwa terdapat pengaruh yang signifikan antara variabel inflasi dan Produk Domestik Regional Bruto (PDRB) di Provinsi Sumatera Selatan dalam jangka panjang dan jangka pendek. Sementara itu, variabel independen lainnya (IHK, IPM, Kemiskinan dan Pengangguran) dalam jangka pendek maupun jangka panjang secara simultan berpengaruh pada PDRB. Terdapat hubungan keseimbangan  Antar variable pembangunan ekonomi (PDRB, Inflasi, IHK) dan variabel sosial (IPM, Kemiskinan dan Pengangguran) di Provinsi Sumatera Selatan dengan menggunakan metode vector dan error correction model dan antar variable pembangunan ekonomi dan sosial berkointegrasi dan berkausalitas dengan menggunakan metode cointegration dan causalityDOI: 10.15408/ess.v4i1.1952
PERENCANAAN UMUM PENANAMAN MODAL (RUPM) KOTA TANGERANG SELATAN Abdul Hamid
Signifikan: Jurnal Ilmu Ekonomi Vol 3, No. 1, April 2014
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (283.259 KB) | DOI: 10.15408/sigf.v3i1.2054

Abstract

This study aims to formulate and plan for capital investment policy and also to formulating investment improvement strategy in South Tangerang City. The method used Analitycal Hierarchy Process (AHP) and SWOT analysis. From the result indicate the direction of policy stakeholders' opinion: (1) Improvement of Investment Climate, (2) Encouraging Investment Distribution, (3) Focus on Food Development, Infrastructure and Energy, (4) Empowerment of Micro, Small, Medium, and Cooperative (MSME), (5) Provision of Facilities, Convenience, and / or the Investment Incentives, and (6) Investment Promotion. The prioritized sectors are trade, industry, hotel and restauran as first priority sector with eigenvalues vector ​​of 0.232, the second priority is health sector with eigenvalues ​​vector of .202, the third priority of education with the third largest eigen vector 0.199, the fourth priority sectors is agriculture, livestock and fisheries with eigenvalues ​​vector of 0.192 and the last priority is tourism sector with eigenvalues ​​vector only of 0.169.DOI: 10.15408/sjie.v3i1.2054
Performance of Depositor Fund: A Lesson from Indonesian Islamic Banking System Sayakhmad Olimov; Abdul Hamid; Muhammad Arief Mufraini
ETIKONOMI Vol 16, No 1 (2017)
Publisher : Faculty of Economic and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (550.894 KB) | DOI: 10.15408/etk.v16i1.4871

Abstract

The objective of study is to analyze the performance of Depositor Fund in the operation of Islamic bank as an alternative banking sector in financial market based on the profit and loss mode of financing in the case of Indonesia. The research methodology is quantitative analysis based on the Multiple Regression. In the study secondary data is used and were collected from Annual Report of Islamic Banks. The sample of study is the bank, which is selected from 36 samples of Islamic Commercial Banks relates to non-probability purposive sampling method as a statistical research techniques. The result of study showed that the performance of Depositor Fund in the operation of Islamic banks has negative proficiency and otherwise the Islamic banks have weaknesses capability to improve the high ratio of increasing productivity Depositor Fund based on the financial ratio factors, which are analyzed.DOI: 10.15408/etk.v16i1.4871
The Impact of Spin-Off Policy To The Profitability On Indonesian Islamic Banking Industry Abdul Hamid
Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah Vol 7, No 1: January 2015
Publisher : Faculty of Shariah and Law, UIN Syarif Hidayatullah Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (561.131 KB) | DOI: 10.15408/aiq.v7i1.1363

Abstract

The purpose of this paper is to analyze that the spinoff policy that based on Islamic Banking Act No. 21/2008 had an impact on the profitability  ratio  of  Islamic  banking  industry  in  Indonesia.  This  research  used ordinary least square regression. The variable used in this paper is spin-off which is used as a dummy variable, and also included the internal factor of industry such  as  deposit  margin,  non-performing  financing  (NPF),  and  efficiency  ratio (measured by BOPO). The result showed that dummy variable of spin-off, NPF and BOPO had an impact on the profitability in Indonesian Islamic banking industry. The implication of this result is spin-off policy had a good impact on the profitability in Indonesian Islamic banking industry. According to this result, Bank Indonesia should stimulate the Islamic banking unit to spin-off from their parents conventional banks.DOI:10.15408/aiq.v7i1.1363
Implementasi Konsep Distribusi Pendapatan dalam Islam untuk Meningkatkan Kondisi Sosial Ekonomi Masyarakat di Provinsi Jawa Barat Abdul Hamid; Riris Aishah Prasetyowati; Rio Trisasmita
INFERENSI: Jurnal Penelitian Sosial Keagamaan Vol 13, No 2 (2019)
Publisher : State Institute of Islamic Studies (IAIN) Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/infsl3.v13i2.219-252

Abstract

This paper examines the Concept of Income Distribution in Islam through the Zakat Fund which is managed as a source of funds in improving better conditions in the socio-economic poor population in the fields of education, housing, and income to support the economic growth of West Java Province. This study uses a sample test through a quantitative method and real data to observe the correlation and potential contribution of zakat from Muslim residents who work in West Java region to the distribution of income of the poor population. For each observation variable, before-and-after regression and comparison tests are associated with the potential of zakat as a concept of the distribution of Sharia or Islamic income. Hypothesis testing of two means is used to obtain different observational results from the results of this study. There is significant diversity in the socio-economic conditions of the poor before and after the implementation of the concept of distribution of Sharia or Islamic income in West Java Province. Likewise, the hypothesis testing shows that Sharia or Islamic income distribution has a significant influence on socio-economic conditions in the fields of education, proper housing, and income of the poor population on the growth of the regional economy of West Java (GRDP). With the diversity of relationships and influences among socioeconomic variables, e.g. the income of poor people after the calculation of Zakat and improper housing with the distribution of income with the concept of Islam have opposite relationships. However, the unidirectional relationship occurs in the education on theeconomic growth of the West Java regional domestic. 
Classification of Tuberculosis and Pneumonia in Human Lung Based on Chest X-Ray Image using Convolutional Neural Network Muhaza Liebenlito; Yanne Irene; Abdul Hamid
InPrime: Indonesian Journal of Pure and Applied Mathematics Vol 2, No 1 (2020)
Publisher : Department of Mathematics, Faculty of Sciences and Technology, UIN Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1192.116 KB) | DOI: 10.15408/inprime.v2i1.14545

Abstract

AbstractIn this paper, we use chest x-ray images of Tuberculosis and Pneumonia to diagnose the patient using a convolutional neural network model. We use 4273 images of pneumonia, 1989 images of normal, and 394 images of tuberculosis. The data are divided into 80% as the training set and 20% as the testing set. We do the preprocessing steps to all of our images data, such as resize, converting RGB to grayscale, and Gaussian normalization. On the training dataset, the sampling technique used is undersampling and oversampling to balance each class. The best model was chosen based on the Area under Curve value i.e. the area under the curve of Receiver Operating Characteristics. This method shows that the best model obtains when trains the training dataset using oversampling. The Area under Curve value is 0.99 for tuberculosis and 0.98 for pneumonia. Therefore, this best model succeeds to identify 86% true for tuberculosis and 96% true for pneumonia.Keywords: chest X-ray images; tuberculosis; pneumonia; convolutional neural network.                                                                AbstrakPada penelitian ini memanfaatkan data citra chest x-ray penderita penyakit tuberculosis dan pneumonia. Model convolutional neural network digunakan untuk membantu mendiagnosis kedua penyakit ini. Data yang digunakan masing-masing sudah dilabeli sebanyak 4273 citra pneumonia, 1989 citra normal dan 394 citra tuberculosis. Data tersebut dibagi menjadi 80% himpunan data latih dan 20% data uji. Himpunan data tersebut telah melalui 3 tahap prepocessing yaitu resize citra, merubah citra RGB menjadi grayscale dan standarisasi gausian pada citra. Pada data latih dilakukan teknik sampling berupa undersampling dan oversampling data untuk menyeimbangkan data latih antar kelas. Model terbaik dipilih berdasarkan nilai Area under Curve yaitu luas daerah di bawah kurva Receiver Operating Chracteristics. Hasil menunjukkan bahwa model terbaik dihasilkan ketika dilatih menggunakan data latih hasil oversampling dengan nilai Area under Curve kelas tuberculosis sebesar 0,99 dan nilai Area under Curve kelas pneumonia sebesar 0,98. Oleh karena itu, model terbaik ini mampu mengindentifikasi sebanyak 86% penyakit tuberculosis dan 96% penyakit pneumonia.Kata Kunci: citra chest X-ray; penyakit infeksi paru; pengolahan citra digital Convolutional Neural Network.
Predicting Volatility of Non-Performing Financing: Lessons from Indonesian Islamic Banking Industry Faizul Mubarok; Abdul Hamid; Mohammad Nur Rianto Al Arif
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 11, No 1 (2020): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (3241.228 KB) | DOI: 10.18326/muqtasid.v11i1.1-13

Abstract

Islamic banking financing is carried out into three categories, namely financing based on economic sectors, financing based on contracts, and financing based on types of use. The funding is faced with risks where the customer is unable to pay the loan. This study discusses the forecasting of Islamic banking problem financing in Indonesia using monthly data from 2003 to 2019. Prediction is made using the Autoregressive Conditional Heteroscedasticity-Generalized Autoregressive Conditional Heteroscedasticity (ARCH-GARCH) method. Forecasting from the results of this study shows that non-performing financing tends to decrease in Indonesia. Islamic banking has been able to manage problem financing well. Islamic banking financing should be focused on sectors that have low risk. The results of this study are undoubtedly useful for stakeholders to make policies to improve the quality of the funding.
Determinant of Efficiency in the Indonesian Islamic Banks Hikmatul Aliyah; Abdul Hamid; Mohammad Nur Rianto Al Arif
Signifikan: Jurnal Ilmu Ekonomi Vol 12, No 1 (2023)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v12i1.30376

Abstract

This study aims to analyze the factors that influence the level of efficiency of Islamic commercial banks in Indonesia. The research employs a panel data analysis and a non-parametric Data Envelopment Analysis (DEA) to measure the level of efficiency. The panel data analysis showed that company size, profitability, liquidity, and management significantly affect the level of efficiency of Islamic banks in Indonesia, while capital and financing risk have no significant impact. The efficiency of Islamic banks in Indonesia should be maintained by balancing the distribution of assets, ensuring portfolio diversification, maintaining sufficient liquidity, and paying attention to management quality. The originality of this study, to the best of the author's knowledge, is that it is the first study to examine the determinants of efficiency in Indonesian Islamic commercial banks using quarterly data from the period of 2015-2020. As a result, the data analyzed has a sufficient amount.JEL Classification: C02, C14, C23, G01How to Cite:Aliyah, H., Hamid, A., & Al Arif, M. N. R. (2023). Determinants of Efficiency in the Indonesian Islamic Banks. Signifikan: Jurnal Ilmu Ekonomi, 12(1), 161-174. https://doi.org/10.15408/sjie.v12i1.30376.