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All Journal Jurnal Iqtisad Economic Journal of Emerging Markets Media Syari'ah: Wahana Kajian Hukum Islam dan Pranata Sosial Indonesian Management and Accounting Research International Journal of Islamic Business and Economics
Abdul Ghafar Ismail
Unknown Affiliation
Religion Humanities Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Social Sciences

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Do Risk-Based Capital Requirements Allocate Financing and Cause a "Bigger" Loan Loss Provision for Islamic Banks? Abdul Ghafar Ismail; Shahida Shahimi
Jurnal Iqtisad Vol. 4 No. 1 (2003)
Publisher : Jurnal Iqtisad

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/iqtisad.vol4.iss1.art1

Abstract

The purpose of the study is to examine the Islamic banks' response to the risk-based weighted capital requirements implemented in 1989. This paper will look at three possible effects; First, will the implementation of risk-based capital encourage substitution out as-sets in the 100 percent risk category such as deferred payment (debt contract) and, into as-sets in the less risky categories such as mudharabah and musharakah financing and gov-ernment investment certificates? Second, will the implementation of risk-based capital (RBC) discourage Islamic banks to utilize the equity financing upon subsidiary companies as the latter is deducted from the total capital base? Third, may the risk-based capital cause a "bigger" loan loss provision, as the concentration of financing is based on the debt contract? This study finds that Islamic banks could reduce financing portfolios in order to increase capital ratios. Second, the core capital ratio is enough to fulfill the 8% capital re-quirement indicating that Islamic banks do not rely on Tier-2 capital. Third, the higher percentage of debt financing may lead to the losses from debt financing that are entirely absorbed by banks and later, by depositors, resulting in lower return to depositors.   JEL Classification numbers: G15; G18; P51Keywords: Islamic banking; bank capital; loan loss provision
Exports and Economic Growth: The Causality Test for ASEAN Countries Abdul Ghafar Ismail; D. Agus Harjito
Economic Journal of Emerging Markets Vol. 8 No. 2 (2003)
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.v8i2.629

Abstract

This study proposes to investigate the causality between exports and economic growth in the ASEAN countries over the periods 1966 –2000. The role of the export variable in the investigation of economic growth is emphasized. Using the Johansen cointegration procedures test indicate that there is cointegration between export and economic growth in Indonesia and Singapore, while the Granger causality test shows that there is feedback or bi-directional causality between exports and economic growth only in Indonesia and Philippines. JEL classification: C22; F14; F43;Keywords: export; economic growth; cointegration; causality test.
INSTITUTIONAL ECONOMICS RELEVANT TO ISLAMIC FINANCE Abdul Ghafar Ismail
Media Syari'ah Vol 13, No 1 (2011)
Publisher : Sharia and Law Faculty

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/jms.v13i1.1739

Abstract

The study on the relevancy of institutional economics to mainstream Islamic economics especially in Islamic finance is not widely known. The relevancy issue arises due to: the role of revelation and reason; and the assumption of an ideal Islamic financial institutions; the role of both institutional environment and institutional arrangements on the setting-up of the Islamic financial institutions. Thus, the discussion in this paper provides a brief (and admittedly unbalanced) sketch of the new institutional economics which is relevant to Islamic finance. The literature in NIE is expanding rapidly and gaining increasing adherents and influence in Islamic finance. Our findings show that it is a highly diverse field and its many branches are rich in theoretical insight, relevant for policy and empirically useful.
ECONOMIC MACRO INFLUENCE STUDY, CAPITAL, AND LIQUIDITY TO FINANCIAL PERFORMANCE AT LOCAL DEVELOPMENT BANK IN INDONESIA BEFORE AND AFTER AREA AUTONOMY Moir Hasan; Khairul Anuar; Abdul Ghafar Ismail
Indonesian Management and Accounting Research Vol. 8 No. 2 (2009)
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1055.898 KB) | DOI: 10.25105/imar.v8i2.1280

Abstract

Purpose of this research is to know influence macro economic, capital, and liquidity to financial performance at local development bank (BPD) in Indonesia.This research is research explanatory, with research unit of all (population) Local Development Bank in Indonesia. Based on Indonesia Bank data there are 26 local development bank in Indonesia. Data collecting is done by using secondary data in the form of publication financial statements of local development bank of all Indonesia from the year 1996 until the year 2005 (during 10 years). Financial statements obtained from Indonesia bank head office and research bureau info bank. Research type applied is the causal relation by using census and secondary's data collecting and data analysis done through structural equation model (SEM). Result of this research indicates that : 1) macro variable of chartered investment counsel either before and also after area autonomy shows different result, before area autonomy doesn't have an effect on significant to financial performance, while after area autonomy influential significant; 2) variable capital influential significant to financial performance before area autonomy, while after area autonomy doesn't have an effect on significant; 3) variable liquidity before area autonomy influential significant to financial performance, and after area autonomy doesn't have an effect on significant.Keyword: macro economic, capital, liquidity, and financial performance.
Incentive Zakat Agency Mechanism, a Comparison between Indonesia and Malaysia Dodik Siswantoro; Mohammad Soleh Nurzaman; Abdul Ghafar Ismail; Agus Munandar
International Journal of Islamic Business and Economics (IJIBEC) Vol 5 No 1 (2021): Volume 5 Nomor 1 Tahun 2021
Publisher : FEBI UIN K.H. Abdurrahman Wahid Pekalongan

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Abstract

the objective of the research is to compare the incentive zakat agency mechanism between Indonesia and Malaysia. In Indonesia, private institutions are permitted to collect zakat and have the agency to support zakat collection, while in Malaysia only state institution collects zakat. To enhance zakat fund collectability, they need agencies located in specific institutions. However, both countries share a similar mechanism of incentive zakat agency allocation. The method of the research is based on a qualitative study. Some respondents are questioned and interviewed on a specific topic of incentive zakat agency mechanism. The result shows that the agency mechanism in private zakat institutions in Indonesia is more flexible than Malaysia. The agency is authorized to get zakat allocation to be disbursed to surrounding zakat recipients and develop the allocation report. On the other hand, a zakat rebate can be a supporting factor for Muslims to pay zakat more in Malaysia than in Indonesia.
Co-Authors Agus Munandar D. Agus Harjito Arif Singapurwoko Dodik Siswantoro Khairul Anuar Mohammad Soleh Nurzaman Moir Hasan Shahida Shahimi