Mustika Noor Mifrahi
Department Of Economics, Faculty Of Business And Economics, Universitas Islam Indonesia, Yogyakarta, Indonesia

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Macroeconomic effect and risk-taking behavior in a dual banking system Faaza Fakhrunnas; Wulan Dari; Mustika Noor Mifrahi
Economic Journal of Emerging Markets Volume 10 Issue 2, 2018
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ejem.vol10.iss2.art5


This study aims to analyze the relationship between macroeconomic factors and risk-taking behavior in a dual banking system. Adopting a panel cointegration approach, this research posits macroeconomic factors as exogenous variables and risk-taking behavior as endogenous variables. With having 468 quarterly-observations consisting of 18 banks in Indonesia during 2010-Q4 to 2017-Q1, it finds that the risk-taking behavior of the banks has a long-term relationship with macroeconomic factors. Moreover, conventional bank has long-term relationship to macroeconomic nonetheless it results inversely to Islamic bank. In terms of bank-specified characteristics, bank size and equity to asset ratio are substantial factors for the banks’ risk mitigation.
Analysis of factor affecting financing with Islamic banks in agriculture sectors Heri Sudarsono; Mustika Noor Mifrahi; Indah Susantun; Ari Rudatin; Sarastri Mumpumi Ruchba
Asian Journal of Islamic Management (AJIM) VOLUME 1 ISSUE 2, 2019
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol1.iss2.art6


Purpose: This study aims to determine the effect of non-performing finance, inflation, interest rates, Bank Indonesia Sharia Certificate variable, deposit and Industrial Production Index on the financing of the agricultural sector in Islamic banks.Methodology:This study uses analysis tools with the Vector Auto Regression (VAR) method. The VAR method is applied if the data used is stationary and there is no cointegration. If the data used is stationary but there is cointegration, the analytical tool that will be applied is the Vector Correction Model (VECM) method.Findings: There is causality between interest rates and financing in the agricultural sector. This situation can be interpreted that any increase in interest rates will result in people preferring financing to Islamic banks. Profit sharing and margins do not directly influence the increase in interest rates in conventional banks so that the increase in interest rates is relatively a cheaper cost of financing. Conversely, if there is a decrease in the interest rate on conventional banks, it will make people more likely to choose financing in conventional banks rather than in Islamic banks      Originality:This study enrich the discussion in factors affecting financing with Islamic Banks in agriculture sectors. 
Analisis resiko likuiditas bank syariah Indah Susantun; Mustika Noor Mifrahi; Heri Sudarsono
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 2, 2019
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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This study attempts to examine the determinants of liquidity risk in Islamic bank by using incorporates several variables that impact the liquidity of Islamic bank. A regression data analysis is conducted on a sample on all of Islamic banks in Indonesia between 2014. 6 and 2019.4. The result show that EQUITY also has a negative relationship with liquidity risk  as a more stable source of funding for Islamic banks tend  a higher ratio of equity lowers liquidity risk.  Then,  SIZE also has a negative relationship with liquidity risk, as larger banks tend customers feel safer dealing with large Islamic  banks. On the other hand, CAR have statistically significant positively relationships with the liquidity risk.  Finally, ROA and FINANCING  are not significance with liquidity risk in Indonesia Islamic Banks
Faktor-faktor yang mempengaruhi deposito mudharabah pada bank syariah di Indonesia Nila Juniarty; Mustika Noor Mifrahi; Achmad Tohirin
Jurnal Ekonomi & Keuangan Islam Volume 3 No. 1, Januari 2017
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol3.iss1.art5


Mudharabah Deposit is one of Islamic banking products, which is the biggest contributor to sharia banking compared to other collecting products. In addition, according to Bank Indonesia's report, the number of Islamic banking deposits each year has increased significantly. Therefore, in this study, the authors want to know the factors that are expected to affect the number of mudharabah deposits. There are 6 factors that are expected to affect the number of deposits, namely the profit-sharing rate, the interest rate, the promotion rate, the inflation rate, the FDR, and the number of offices. The authors use a weighted average in terms of rate of profit sharing and interest rate and data processing using multiple linear regression. The results of these regression calculations, simultaneously show positive and significant results for all variables. This value resulted from the four regression has a value of sig-F 0.000 is smaller than 10% significance. Partially, profit sharing, promotion cost and number of offices show significant and positive effect on total mudharabah deposit, while interest rate, inflation and FDR show no effect on mudharabah deposit amount.
Islamic Bank peformance based on Maqasid Based Performance Evaluation Model (MPEM) Mustika Noor Mifrahi; Faaza Fakhrunnas
Jurnal Ekonomi & Keuangan Islam Volume 4 No. 2, Juli 2018
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol4.iss2.art6


This study aims to measure the performance of Sharia banking under Maqashid Shariah’s point of view. Maqashid-sharia-based Performance Evaluation Model (MPEM) approach does not only shows the overall banking performance as usual, but also in the aspect of its Sharia compliance. The samples used in this study are 11 Islamic banks which is retrived from Central Bank of Indonesia that consist of Islamic Bank’s annual report from 2011 to 2017. To measure the Islamic banks, this research adopts maqashid sharia measurement that consist of 5 (five) elements formulated in MPEM. According to the finding, Bank Muammalat Indonesia (BMI) outperforms in all aspects with an average value of 177,93. However, in detail each Islamic banks has its strength in different criteria. Eventhough in certain period Islamic banks suffered loss, this condition did not lead the bank to perform non sharia activity.
Penerapan blended learning berbasis student centered learning pada mata kuliah matematika ekonomika bagi generasi Z Mustika Noor Mifrahi
Refleksi Pembelajaran Inovatif Vol. 1 No. 2 (2019): Volume 1 Nomor 2 Tahun 2019
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/rpi.vol1.iss2.art1


The aim of this study is to analyse the impact of blended learning applied in mathematics economics courses for students in higher education. The Blended Learning method requires students to be actively involved in groups to understand the material and complete the assignment. This study uses two approaches, observation and student perception questionnaire. The objects in this study is student of Study Program of Economics students that taking Mathematics fo Economics subject in academic year 2018/201. The learning methods developed in this program is combination of face-to-face lectures, the provision of instructional videos and the introduction of task completion online sites. The results of measuring the achievements of the program's success indicators are the ability of students to understand and correlate assignments, quizzes and competency tests with a final score of more than 60 or get C as 67%. For each learning objective (LO), the level of learning achievement of LO 1, LO 2 and LO 3 is 70.95%, 46% and 47% respectively. The results of the questionnaire to students showed 60% of students were helped by blended learning system. Based on the results achieved, the proposed learning method can be continued for the next period, but a review of the curriculum, course learning outcomes and the provision of more systematic learning videos are needed.
Share: Jurnal Ekonomi dan Keuangan Islam Vol 9, No 1 (2020)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (500.71 KB) | DOI: 10.22373/share.v9i1.6882


Some researchers have argued that the financial system has a vital role in economic growth. Islamic banking that has existed widely in many countries is expected to have a positive role in economic growth. This study aims to examine the impact of Islamic bank financing on economic growth in QISMUT countries. To compare with other full Islamic banking systems, Iran and Sudan also included in this study. By using annual panel data (2005-2015), this paper utilizes an approach to multiple mediating analysis models. The findings demonstrate that Islamic banking financing does not significantly impact economic growth directly. However, Islamic banking financing can possibly influence economic growth indirectly through investment and consumption spending.========================================================================================================Bagaimanakah Peran Perbankan Syariah dalam Pertumbuhan Ekonomi? Beberapa peneliti berpendapat bahwa system keuangan memiliki peran penting dalam pertumbuhan ekonomi. Perbankan Islam yang telah ada secara luas di banyak negara diduga memiliki peran positif dalam pertumbuhan ekonomi. Penelitian ini bertujuan untuk menguji peengaruh pembiayaan bank Islam pada pertumbuhan ekonomi di negara QISMUT. Iran dan Sudan dimasukkan dalam objek penelitian ini sebagai pembanding penggunaan sistem keuangan Islam. Menggunakan data panel tahun 2005-2015, penelitian ini menggunakan pendekatan analisis media dengan banyak faktor. Hasil penelitian menunjukkan bahwa pembiayaan bank Islam tidak dapat mempengaruhi pertumbuhan ekonomi secara langsung. Akan tetapi, Bank Islam dapat mempengaruhi pertumbuhan ekonomi secara tidak langsung, yaitu melaui investasi dan konsumsi.
Motivasi Penguatan Potensi Diri Perempuan Perajin Benang Ulat Sutra Dusun Jimat Widodomartani Yogyakarta Andriyastuti Suratman; Mustika Noor Mifrahi; Riana Mahfuroh
Patria : Jurnal Pengabdian Kepada Masyarakat Vol 4, No 2: September 2022
Publisher : Universitas Katolik Soegijapranata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24167/patria.v4i2.4185


Pengabdian dilakukan terhadap ibu-ibu perajin benang ulat sutra. Secara kualitas ibu-ibu perajin telah mampu mengolah kapas menjadi benang sutra namun secara kuantitas belum maksimal dalam melakukan pekerjaan sebagai perajin sehingga kapasitas produksi juga belum sesuai yang diharapkan. Kesibukan para ibu dalam mengelola rumah tangganya menjadikan pekerjaan ini masih bersifat sambilan. Belum ada  motivasi lebih untuk mengembangkan potensi dari diri para ibu perajin. Peningkatan motivasi dan potensi diri disampaikan baik dari sisi keIslaman, kemandirian finansial, dan psikologi melalui motivasi diri didukung dengan analisis SWOT. Metode pengabdian yang dilakukan adalah 1) observasi dan wawancara kebutuhan pendampingan, 2) penyampain materi, praktik dan diskusi, dan 3) pemberian buku aktivitas terkait kegiatan dan potensi diri. Beberapa metode ini dilakukan dalam 7 pertemuan diawali dengan kunjungan awal untuk melakukan observasi dan diskusi terkait kebutuhan pengabdian berlanjut 6 kali aktivitas pendampingan agar bisa dapat diimplementasikan dalam kehidupan sehari-hari. Setelah dilakukan pelatihan para ibu rumah tangga ini mampu melejitkan potensi baik domestik (mengelola keluarga) serta publik menjadi lebih percaya diri berperan di masyarakat
Optimalisasi Virtual Lab Dan Google Collaboratory Untuk Pembelajaran Daring Bersama Berbasis Collaborative Project Based Learning Kesumawati Ayundyah; Mifrahi Mustika Noor; Primandari Arum Handini
Refleksi Pembelajaran Inovatif Vol. 4 No. 1 (2022): Volume 4 Nomor 1 Tahun 2022
Publisher : Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/rpi.vol4.iss1.art2


Metode pembelajaran tardisional saat ini dirasa memiliki banyak kekurangan bagi pembelajaran mandiri peserta didik. Penelitian ini bertujuan untuk melihat bagaimana penerapan proses pembelajaran dengan pendekatan PjBL kolaboratif. Proyek diberikan kepada mahasiswa dari dua prodi berbeda yaitu program studi Statistik dan Ilmu Ekonomi dimana isu yang diberikan mengenai isu ekonomi dengan pendekatan statistik. Observasi dilakukan pada dua kelas dengan total jumlah mahasiswa sebanyak 105. Hasil penerapan PjBL kolaboratif menunjukkan terdapat peningkatan perolehan capaian CPMK saat mahasiswa melakukan kegiatan PjBL kolaboratif yang diarahkan oleh dosen, daripada kolaboratif mandiri. Ketercapaian CPMK dengan menggunakan PjBL kolaboratif mencapai 100%. Selian itu, mayoritas mahasiswa (62.5%) kegiatan PjBL kolaboratif lintas prodi ini dilaksanakan dengan baik. Penelitian ini mendukung adanya penerapan kegiatan PjBL kolaboratif untuk diterapkan pada mata kuliah lintas prodi.