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All Journal Jurnal Ekonomi Syariah Teori dan Terapan EKSPANSI Jurnal Kajian Peradaban Islam Amwaluna Jurnal Ekonomi dan Keuangan Syariah Review of Islamic Economics and Finance Coopetition : Jurnal Ilmiah Manajemen Jurnal Kajian Peradaban Islam Jurnal Ekonomika dan Bisnis Islam
Aneu Cakhyaneu
Universitas Pendidikan Indonesia
Religion Economics, Econometrics & Finance Education Social Sciences Other

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Waqf as Alternative Financing Resource for Infrastructure Development in Indonesia: Analytical Hierarchy Process Approach Muhammad Faiz Andeaz Fawwaz; Juliana Juliana; Aneu Cakhyaneu; Mumuh Muhammad; Ropi Marlina
Islamic Research Vol 3 No 2 (2020): Jurnal Kajian Peradaban Islam
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (341.34 KB) | DOI: 10.47076/jkpis.v3i2.53

Abstract

The productive Waqf can be utilized for developing infrastructure in Indonesia as this country has incredible waqf potential. However, the utilization of waqf assets has not been specified for infrastructure development, which has many benefits (maslahah) for Indonesia. This study aims to determine the main problem in utilizing Waqf for infrastructure development in Indonesia from regulatory dimension, management dimension, program dimension, and literacy dimension. The data analysis technique used in this study is Analytical Hierarchy Process (AHP). This study has five experts to deliver their perspective regarding problems and solutions for infrastructure development using productive Waqf in Indonesia. The study results indicate that the severe problem in utilizing productive Waqf for infrastructure in Indonesia based on experts' agreement is the Lack of professional waqf (nazhir) management in managing waqf assets. With increasing the professionalism of nazhir in the management of productive Waqf, the waqf assets are expected to grow gradually that can be used to develop and improve infrastructure in Indonesia. Lastly, the excellent management of Waqf will be able to attract the Muslim community's intention to donate.
ANALISIS FAKTOR PEMBIAYAAN PERBANKAN SYARIAH PADA SEKTOR KONSTRUKSI DI INDONESIA Tamia Tyahardi; Kusnendi; Aneu Cakhyaneu
Ekspansi: Jurnal Ekonomi, Keuangan, Perbankan, dan Akuntansi Vol 13 No 1 (2021)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ekspansi.v13i1.2331

Abstract

Konstruksi merupakan salah satu sektor penting dalam mendukung pembangunan ekonomi di Indonesia dan berperan dalam menggerakkan sektor riil yang secara langsung menyangkut kehidupan orang banyak. Dalam pencapaian pembangunan, sektor konstruksi memerlukan peran perbankan untuk membantu akses permodalan melalui pemberian kredit atapun pembiayaan syariah yang cukup. Menurut Otoritas Jasa Keuangan (OJK) rendahnya pembiayaan sektor konstruksi disebabkan oleh karakteristik dari sektor konstruksi yang memerlukan dana dalam jumlah besar serta jangka waktu pengembalian yang relatif panjang. Penelitian ini bertujuan untuk mengetahui faktor-faktor yang mempengaruhi pembiayaan perbankan syariah pada sektor konstruksi periode 2011-2018. Objek penelitian ini adalah Tingkat Kecukupan Modal (CAR), Tingkat Likuiditas (FDR), Sertifikat Bank Indonesia Syariah (SBIS) dan rasio pembiayaan sektor konstruksi. Sedangkan subjek dalam penelitian adalah perbankan syariah di Indonesia. Metode penelitian yang digunakan adalah korelasional dan pendekatan kuantitatif dengan desain eksplanatori dengan analisis regresi linear berganda. Variabel dependen dalam penelitian ini adalah pembiayaan konstruksi. Variabel independen dalam penelitian ini adalah Tingkat Kecukupan Modal (CAR), Tingkat Likuiditas (FDR), dan Sertifikat Bank Indonesia Syariah (SBIS). Hasil penelitian ini menunjukkan bahwa Tingkat Kecukupan Modal (CAR), Tingkat Likuiditas (FDR), dan Sertifikat Bank Indonesia Syariah (SBIS) berpengaruh signifikan secara simultan terhadap pembiayaan konstruksi. Tingkat Kecukupan Modal berpengaruh signifikan positif terhadap pembiayaan konstruksi, Tingkat Likuiditas berpengaruh signifikan dengan arah negatif terhadap pembiayaan konstruksi, dan Sertifikat Bank Indonesia Syariah (SBIS) berpengaruh signifikan negatif terhadap pembiayaan konstruksi.
Waqf as Alternative Financing Resource for Infrastructure Development in Indonesia: Analytical Hierarchy Process Approach Muhammad Faiz Andeaz Fawwaz; Juliana Juliana; Aneu Cakhyaneu; Mumuh Muhammad; Ropi Marlina
Islamic Research Vol 3 No 2 (2020): Jurnal Kajian Peradaban Islam
Publisher : Perhimpunan Intelektual Muslim Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47076/jkpis.v3i2.53

Abstract

The productive Waqf can be utilized for developing infrastructure in Indonesia as this country has incredible waqf potential. However, the utilization of waqf assets has not been specified for infrastructure development, which has many benefits (maslahah) for Indonesia. This study aims to determine the main problem in utilizing Waqf for infrastructure development in Indonesia from regulatory dimension, management dimension, program dimension, and literacy dimension. The data analysis technique used in this study is Analytical Hierarchy Process (AHP). This study has five experts to deliver their perspective regarding problems and solutions for infrastructure development using productive Waqf in Indonesia. The study results indicate that the severe problem in utilizing productive Waqf for infrastructure in Indonesia based on experts' agreement is the Lack of professional waqf (nazhir) management in managing waqf assets. With increasing the professionalism of nazhir in the management of productive Waqf, the waqf assets are expected to grow gradually that can be used to develop and improve infrastructure in Indonesia. Lastly, the excellent management of Waqf will be able to attract the Muslim community's intention to donate.
Analisis Pengaruh Islamicity Performance Index Terhadap Tingkat Profitabilitas Pada Bank Syariah Indonesia : Studi Kasus: Bank BUMN Syariah Yang di Merger Nurya Ayu Destiani; Juliana Juliana; Aneu Cakhyaneu
Coopetition : Jurnal Ilmiah Manajemen Vol. 12 No. 3 (2021): Coopetition: Jurnal Ilmiah Manajemen
Publisher : Program Studi Magister Manajemen, Institut Manajemen Koperasi Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32670/coopetition.v12i3.554

Abstract

This study aims to determine the level of profitability at BUMN Sharia Banks consisting of Bank Mandiri Syariah, BNI Syariah and BRI Syariah which were merged into Bank Syariah Indonesia (BSI) and the factors that influence it. The three state-owned Islamic banks have a level of profitability that does not meet healthy standards in the fairly healthy category. The independent variables used in this study include Profit Sharing Ratio (PSR), Zakat Performance Ratio (ZPR), Equitable Distribution Ratio (EDR) and Islamic Income vs. Non-Islamic Income while the dependent variable is the level of profitability. The research method used is descriptive quantitative using Multiple Linear Regression analysis. The results of this study indicate that Profit Sharing Ratio (PSR) has a significant negative effect on the level of profitability of Islamic State-owned banks, Zakat Performance Ratio (ZPR) has a significant positive effect on the level of profitability of BUMN Sharia Banks, Equitable Distribution Ratio (EDR) has a significant negative effect on the level of profitability at BUMN Sharia Banks and Islamic Income vs. Non Islamic Income has no significant effect on the level of profitability of BUMN Sharia Banks. The implication of this research is to find out the extent to which at BUMN Sharia Banks can optimize financial performance with the factors that influence it, especially the ratio with Islamic principles. The still low standard of Islamicity Performance Index in each ratio is one of the causes of lessthan optimal profit growth at BUMN Sharia Banks.
PENGUKURAN KINERJA BANK UMUM SYARIAH DI INDONESIA BERDASARKAN SHARIA MAQASHID INDEX (SMI) Aneu Cakhyaneu
AMWALUNA (Jurnal Ekonomi dan Keuangan Syariah) Vol 2, No 2, (2018)
Publisher : Univeristas Islam Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (534.849 KB) | DOI: 10.29313/amwaluna.v2i2.3753

Abstract

Perbankan syariah di Indonesia berkembang sangat begitu pesat. Namun perkembangan tersebut nampaknya belum diimbangi dengan adanya pengukuran kinerja keuangan yang sesuai dengan tujuan syariah. Pengukuran kinerja bank syariah yang masih banyak digunakan saat ini masih terbatas pada pengukuran kinerja konvensional yang hanya menilai performance dari segi keuangan semata. Dengan demikian perlu adanya upaya pengukuran kinerja perbankan yang tidak hanya mengukur penilaian dari segi keuangan saja tetapi dinilai juga dari pencapaian tujuan syariah atau maqashid syariah untuk menciptakan kemaslahatan umat. Penelitian ini bertujuan untuk menganalisis kinerja bank umum syariah berdasarkan Sharia Maqashid Index (SMI) dengan menggunakan Simple Additive Weighthing Method (SAW) yang dilakukan terhadap dua belas bank umum syariah di Indonesia. Hasil penelitian menunjukkan bahwa lima bank yang memiliki Sharia Maqashid Index tertinggi berturut turut adalah Bank Syariah Mandiri, Panin Bank Syariah, Bank Mega Syariah, BNI Syariah dan Bank Muamalat Indonesia.
Diversivication of Financing as an Effort to Increase Profitability at Islamic Comercial Banks in Indonesia Widia Ayu Lestari; Heraeni Tanuatmodjo; Aneu Cakhyaneu
Review of Islamic Economics and Finance (RIEF) Vol 3, No 1 (2020): Review of Islamic Economics and Finance (RIEF) June 2020
Publisher : Universitas Pendidikan Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17509/rief.v3i1.26054

Abstract

This study aims to see the picture and the effect of diversification of bank financing on profitability in Islamic Commercial Banks in Indonesia for the period 2013-2018. ROA profitability during the last six years has fluctuated and tends to decline. This is due to the high level of problem financing. The research method used in this research is the causality method with a quantitative approach. The population in this study is Sharia Commercial Banks in Indonesia. The method used for sampling in this research is purposive sampling with a total sample of ten BUS in Indonesia for 6 years of research. The data used is secondary data. The statistical analysis technique used in this study is panel data regression analysis using Eviews 9. The dependent variable in this study is profitability with ROA ratios. Independent variables in this study are diversification of contract type financing, financing diversification of types of use, and diversification of economic sector financing. The level of diversification in this study uses the Hirschman Herfindahl Index (HHI) formula. The results showed that the Diversification of Financing Contract Type had a negative effect on profitability, the Diversification of Financing Type of Use influenced the profitability of ROA with a positive direction, and the Diversification of Financing the Economic sector had a positive effect on profitability.
Capital Buffers Determination of Islamic Banks in Indonesia Aneu Cakhyaneu; Rina Apriyani
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp760-771

Abstract

ABSTRAK Penerapan kebijakan Capital Buffer sangat diperlukan untuk meningkatkan kualitas permodalan bank Syariah. Di satu sisi bank menghadapi dilema untuk tetap mempertahankan keamanan modalnya, atau memilih untuk meningkatkan keuntungan usahanya. Adapun tujuan penelitian ini adalah untuk mengetahui Capital Buffer Bank Umum Syariah di Indonesia serta faktor-faktor yang mempengaruhinya dengan menggunakan metode kausalitas melalui pendekatan kuantitatif. Bank Umum Syariah (BUS) sebanyak 14 BUS menjadi populasi, sedangkan untuk sampel diambil sebanyak 12 BUS selama lima tahun dengan tekhnik purposive sampling. Adapun teknik analisis data yang digunakan adalah analisis regresi data panel dengan aplikasi Eviews9. Capital Buffer menjadi variable dependen sedangkan variabel independennya adalah tingkat risiko pembiayaan bermasalah (NPF), tingkat profitabilitas (ROE), ukuran bank (Size) dan tingkat likuiditas (FDR). Hasil penelitian menunjukkan secara parsial tingkat risiko pembiayaan (NPF) tidak berpengaruh terhadap Capital Buffer, tingkat profitabilitas tidak berpengaruh terhadap Capital Buffer, ukuran bank (Size) berpengaruh signifikan negatif terhadap Capital Buffer dan tingkat likuiditas berpengaruh signifikan negatif terhadap Capital Buffer. Implikasi dari penelitian ini yaitu besar atau kecilnya NPF serta tingkat profitabilitas yang dimiliki bank tidak akan terlalu berpengaruh terhadap ketersediaan Capital Buffer, namun semakin besar ukuran bank (aset) dan tingkat likuiditas yang dimiliki bank akan menjadikan Capital Buffer suatu bank dalam keadaan stabil sehingga dalam hal ini bank harus senantiasa meningkatkan kualitas asset dan cadangan likuiditasnya. Kata Kunci: Capital Buffer, NPF, ROE, Bank Size, FDR.   ABSTRACT The implementation of the Capital Buffer policy is very much needed to improve the quality of Islamic bank capital. On the one hand, the bank faces a dilemma to maintain the safety of its capital, or choose to increase its business profits. The purpose of this study is to determine the Capital Buffer of Islamic Commercial Banks in Indonesia and the factors that influence it by using the causality method through a quantitative approach. As many as 14 Sharia Commercial Banks (BUS) became the population, while the sample was taken by 12 BUS for five years using purposive sampling technique. The data analysis technique used is panel data regression analysis using the Eviews9 application. Capital Buffer is the dependent variable, while the independent variables are the level of non-performing financing risk (NPF), profitability (ROE), bank size (Size) and liquidity level (FDR). The results showed that partially the level of financing risk (NPF) had no effect on the Capital Buffer, the level of profitability had no effect on the Capital Buffer, the size of the bank (Size) had a significant negative effect on the Capital Buffer and the level of liquidity had a significantly negative effect on the Capital Buffer. The implication of this research is that the size of the NPF and the level of profitability owned by the bank will not greatly affect the availability of Capital Buffers, but the larger the size of the bank (assets) and the level of liquidity owned by the bank will make the Capital Buffer of a bank in a stable condition so that in terms of Banks must always improve the quality of their assets and liquidity reserves. Keywords: Capital Buffer, NPF, ROE, Bank Size, FDR.   DAFTAR PUSTAKA Agustuty, L., & Ruslan, A. (2019). Determinan capital buffer pada industri perbankan. Movere Journal, 1(2), 164-174. Andhika, Y. D., & Suprayogi, N. (2017). Faktor-faktor yang mempengaruhi capital adequacy ratio (CAR) bank umum syariah di Indonesia . Jurnal Ekonomi Syariah Teori dan Terapan, 4(4), 312-323. https://doi.org/10.20473/vol4iss20174pp312-323 Andiani, L., & Kurnia, K. (2017). Pengaruh risiko, profitabilitas, kebijakan dividen, ukuran, dan likuiditas bank terhadap capital buffer. Jurnal Ilmu dan Riset Akuntansi, 6(5), 2013-2031. Anjarwati, K. N., & Ibnu, H., & Madi, R. A. (2016). Determinant capital buffer studi kasus pada bank umum swasta nasional non devisa di Indonesia periode tahun 2012-2016. Jurnal Universitas Halu Oleo Kendari, 1-9. http://dx.doi.org/10.31227/osf.io/hrmnp Anggitasari, A. A. (2013). Hubungan simultan antara capital buffer dan risiko. Skripsi tidak dipublikasikan. Semarang: Universitas Diponegoro. Bayuseno, M. C., & Chabahib, M. (2014). Analisis faktor yang mempengaruhi capial buffer perbankan di Indonesia (Studi pada bank-bank konvensional go public periode 2010-2013). Diponegoro Journal of Management, 3(4), 1-13. Claudio Borio, C. F., Furfine, C., & Lowe, P. (2001). Procyclicality of the financial system and financial stabiity: Issue and policy options. In Bank for International Settlements (ed.), Marrying the macro- and micro-prudential dimensions of financial stability (pp. 1-57). Bank for International Settlements. Distinguin, I., Roulet, C., & Tarazi, A. (2013). Bank regulatory capital and liquidity: Evidence from US and European. Journal of Banking & Finance 37(9), 3295–3317. https://doi.org/10.1016/j.jbankfin.2013.04.027 Effendi, T. U. (2018). Analisis faktor internal bank terhadap capital buffer pada industri perbankan di Indonesia. Jurnal Manajemen Bisnis Indonesia, 2, 231-241. Fauzia, N. A., & Idris, D. (2016). Analisis faktor-faktor yang mempengaruhi capital buffer (Studi kasus pada bank umum konvensional yang terdaftar di BEI tahun 2011-2014). Diponegoro Journal of Management, 5(2), 354-365. Gursoy, G. A. (2013). The determinants of capital buffer in the Turkish banking system. International Business Research, 6(1), 224-234. http://dx.doi.org/10.5539/ibr.v6n1p224 Haryanto, S. (2015). Determinan capital buffer: Kajian empirik industri perbankan nasional. Jurnal Ekonomi Modernisasi, 11(2), 108- 123. https://doi.org/10.21067/jem.v11i2.872 Hisan, U. F. C., & Septiarini, D. F. (2020). Pengaruh faktor fundamental dan variabel makroekonomi terhadap capital buffer bank syariah. Jurnal Ekonomi Syariah Teori dan Terapan, 7(2), 356-371. https://doi.org/10.20473/vol7iss20202pp356-371 Ichtiani, H., Sadalia, I., & Butar, N. A. B. (2017). Analysis of capital buffer in Indonesian banking. Proceedings of the 2017 International Conference on Organizational Innovation (ICOI 2017), 131, 128-132. https://dx.doi.org/10.2991/icoi-17.2017.21 Indrawati, N. K., Salim, U., Hadiwidjojo, D., & Syam, N.  (2012). Manajemen risiko berbasis spritual Islam. Ekuitas: Jurnal Ekonomi dan Keuangan, 16(2), 184-208. https://doi.org/10.24034/j25485024.y2012.v16.i2.217 Kurnia, K., & Andiani, L. (2017). Pengaruh risiko, profitabilitas, kebijakan deviden, ukuran perusahaan dan likuiditas bank terhadap capital buffer. Jurnal Ilmu dan Riset Akuntansi, 6(5), 2013-2031. Mishkin, F. (2008). Ekonomi uang, perbankan dan pasar uang. Jakarta: Salemba Empat. Noreen, U., Alamdar, F., & Tariq, T. (2016). Capital buffers and banks risk: Empirical study of adjustment of Pakistani banks. International Journal of Economics and Financial Issue, 6 (4), 1798-1806. Otoritas Jasa Keuangan. (2021). Statistik perbankan Indonesia. Jakarta: Otoritas Jasa Keuangan. Pravasanti, Y. A. (2018). Pengaruh NPF dan FDR terhadap CAR dan dampaknya terhadap ROA pada perbankan syariah di Indonesia. Jurnal Ilmiah Ekonomi Islam, 4(3), 148-159. http://dx.doi.org/10.29040/jiei.v4i03.302 Purwati, J., Sudarto, & Suwaryo. (2016). Analisis hubungan jangka panjang dan jangka pendek antara NPL, ROE, SIZE dan LOTA terhadap capital buffer. Jurnal Performance, 22(2), 29-48. Rasyidin, D. (2016). Financing to deposit ratio (FDR) sebagai salah satu penilaian kesehatan bank umum syariah (Study kasus pada bank BJB syariah cabang Serang). Jurnal Ekonomi Keuangan dan Bisnis Islam, 7(1), 19-36. https://doi.org/10.32678/ijei.v7i1.34 Rohmana, Y. (2010). Ekonometrika teori dan aplikasi dengan eviews. Bandung: Laboratorium Pendidikan Ekonomi dan Koperasi. Sukmana, R., & Kholid, M. (2013). An assessment of liquidity policies with respect to Islamic and conventional banks: A case study of Indonesia. Qualitative Research in Financial Markets, 5(2), 126-138. https://doi.org/10.1108/QRFM-09-2011-0023. Shim, J. (2013). Bank capital buffer and portfolio risk: The influence of business cycleand revenue diversification. Journal of Banking & Finance 37(3), 761–772. https://doi.org/10.1016/j.jbankfin.2012.10.002 Siringoringo, R. (2012). Karakter dan fungsi intermediasi perbankan di Indonesia. Jurnal Ekonomi Moneter dan Perbankan, 15(1), 68. https://doi.org/10.21098/bemp.v15i1.57 Suryani, S., & Hendriyadi, H. (2015). Metode riset kuantitatf teoei dan aplikasi pada penelitian bidang manajemen dan ekonomi Islam. Jakarta: Prenadamedia. Tasman, A. (2020). Capital buffer dan faktor penentunya di Indonesia. Jurnal Inovasi Pendidikan Ekonomi, 10(2), 132-143. https://doi.org/10.24036/011098000 Taswan. (2010). Manajemen perbankan: Konsep, teknik dan aplikasi. Yogyakarta: UPP STIM YKPN Yogyakarta. Wibowo, B. (2016). Stabilitas bank, tingkat persaingan antar bank dan diversifikasi sumber pendapatan: Analisis perkelompok bank di Indonesia. Jurnal Manajemen Teknologi, 15(2), 172-195. http://dx.doi.org/10.12695/jmt.2016.15.2.5
Analisis Islamic Corporate Governance dan Islamic Intellectual Capital terhadap Profitabilitas BUS di Indonesia Hani Anisa Rinjani; Kusnendi; Aneu Cakhyaneu
Jurnal Ekonomika dan Bisnis Islam Vol 5 No 3 (2022): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (692.263 KB) | DOI: 10.26740/jekobi.v5n3.p1-14

Abstract

The development of the profitability of Islamic banks is still lower than that of conventional banks, so it is necessary to identify related strategies that must be applied to increase profitability, especially profits from asset management. This study aims to analyze the effect of Islamic Corporate Governance and Islamic Intellectual Capital on the Profitability of Islamic Commercial Banks in Indonesia. The population in this study includes all Islamic Commercial Banks in Indonesia. The sample used consists of eleven Islamic Commercial Banks in Indonesia for the 2016-2020 period. The research method used is quantitative with a descriptive causality research design. The data analysis technique in this study is the panel data regression method. The results of this study indicate that Islamic Corporate Governance has a negative effect on the profitability of Islamic Commercial Banks in Indonesia. Furthermore, Islamic Intellectual Capital has a significant positive effect on the profitability of Islamic Commercial Banks in Indonesia. This study implies that Islamic banking in carrying out its operational performance needs to pay attention to the quality of human resources, capital and systems including supporting technology and work culture that is applied as an effort to increase profitability.
Co-Authors Hani Anisa Rinjani Heraeni Tanuatmodjo Juliana Juliana Juliana Juliana Kusnendi Kusnendi Muhammad Faiz Andeaz Fawwaz Mumuh Muhammad Nurya Ayu Destiani Rina Apriyani Ropi Marlina Tamia Tyahardi Widia Ayu Lestari