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Pengaruh Perubahan Tingkat Suku Bunga Kredit Bank Konvensional dan Tingkat Suku Bunga Bank Indonesia terhadap Pembiayaan Bank Islam berbasis Murabahah Rianto Anugerah Wicaksono
Jurnal Aplikasi Manajemen Vol 13, No 3 (2015)
Publisher : Jurusan Manajemen Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (75.944 KB)

Abstract

Abstract: The research objective - This study aims to determine the dynamic effect of changesin interest rates of conventional bank and bank interest rates in Indonesia against thefinancing murabaha Islamic Bank. The data and methods of analysis - This study uses monthlydata from the Indonesian banking statistics from January 2009 to April 2014. The analysismethod uses the Unit Root Test, Cointegration Analysis, Impulse Response Function (IRF)and Variance Decomposition (VDC). The results of the study - the results of this study indicatethat changes in mortgage interest rates Conventional Bank has an influence on thevalue equivalent rate financing murabaha Islamic Bank, although these changes do notsignificantly affect the total amount of financing murabaha. Changes in the total amount offinancing is more influenced by movements in the interest rate set by Bank Indonesia (BIrate).Keywords: dynamic effect, interest rate loan, the bi rate, murabahah, vector auto regression
Analisa Hubungan Dinamis antara Risiko Pembiayaan Mudharabah, Risiko Pembiayaan Musyarakah, Risiko Pembiayaan Murabahah dan Profitabilitas Perbankan Syariah Rianto Anugerah Wicaksono; Ainun Nadliroh
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 9 No. 2 (2019): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2019.9.2.164-185

Abstract

Pertumbuhan pembiayaan Bank Syariah mendorong peningkatan potensi pendapatan serta potensi risiko bagi Bank Syariah itu sendiri. Pengelolaan pembiayaan yang baik untuk menjaga tingkat kesehatan Bank Syariah merupakan hal yang sangat penting. Pengelolaan risiko tentu dihadapkan pada dinamika permasalahan teknis di lapangan yang dinamis serta perubahan kebijakan untuk mengambil langkah-langkah mitigasi risiko dan peningkatan potensi pendapatan Bank Syariah. Untuk itu perlu dilakukan Analisa hubungan secara dinamis risiko pembiayaan terhadap kemampuan pembiayaan tersebut menghasilkan keuntungan. Penelitian ini menggunakan alat analisa regresi dinamis vector autoregression untuk melakukan analisa hubungan dinamis, dan pengaruh jangka Panjang terhadap setiap variabelnya. Hasil dari penelitian ini menunjukkan adanya evaluasi secara berkala dari pihak Bank Syariah untuk mendorong atau mengurangi jumlah pembiayaan dalam rangka menjaga nilai non-performing finance tetap sehat (< 5%).
Developing Graduate Profiles through Research Road Map Sri Wigati; Nurul Fatma Hasan; Rianto Anugerah Wicaksono
Dirasah : Jurnal Studi Ilmu dan Manajemen Pendidikan Islam Vol 6 No 1 (2023): DIRASAH
Publisher : Institut Agama Islam (IAI) Faqih Asy'ari Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58401/dirasah.v6i1.810

Abstract

Universities should guarantee that graduates are ready for the challenges of current life, work, and citizenship. Thus, universities should manage a myriad of priorities to ensure students’ success in life, work, and citizenship. The first step to take is developing graduate profile. This study aims to design a research road map to develop the graduate profiles of Bachelor of Sharia Economics (BSE) Study Program in UIN Sunan Ampel Surabaya. BSE has designed three graduate profiles: 1) Practitioners in Islamic finance; 2) Islamic finance & public policy analyst; and 3) Moslem entrepreneur. Therefore, BSE focused on three specializations: Islamic financial institution; Islamic economy & public policy; and halal industry and Islamic business. Islamic financial institution sub major has been designed to support the first profile, Islamic economy and public policy has been designed to support the second, while halal industry and Islamic business has been designed to support the last. These three specializations is strengthened by BSE research studies. BSE research studies were then strengthened by research road map. In other word, research road map was designed to develop research studies, and finally to develop graduate profiles of BSE.
The Knowledge, Service Features, Benefits, And Convenience and Their Influence on Customer Interest: Evidence on BSI Mojopahit 2 Mojokerto City, Indonesia: Pengaruh Pengetahuan, Fitur Layanan, Manfaat dan Kemudahan Terhadap Minat Nasabah dalam Menggunakan BSI Mobile Banking Pada Tahun 2021: Studi Pada BSI KCP Mojopahit 2 Kota Mojokerto Alvina Mutia Hendarti; Ana Toni Roby Candra Yudha; Rianto Anugerah Wicaksono; Maksum Maksum; Nurul Huda
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 13 No. 1 (2023): El-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2023.13.1.49-66

Abstract

The development of technology is so rapid today that the banking industry must be able to provide services that can adapt to the needs and desires of customers in the current digital era, such as mobile banking. This study aims to determine the magnitude of the influence of knowledge, service features, benefits, and convenience on the interest of BSI Mojopahit 2 Mojokerto City customers in using BSI mobile banking in 2021. This study uses a quantitative research type with a sample of 100 respondents. The analysis used in this study is multiple linear regression analysis using the IBM SPSS 24 application. The results of this study show the multiple linear regression equation, namely Y = 1.433 + 0.175 X1 + 0.184 X2 + 0.219 X3 + 0.191 X4 + e. The F (simultaneous) test shows that the variables of knowledge, service features, benefits and convenience have a significant effect simultaneously or jointly on customer interest. Meanwhile, the T-test (partial) shows that the knowledge variable has a significant partial effect on customer interest. The service feature variable has a significant effect on the customer interest variable. The benefit variable has a significant effect on the customer interest variable, and the convenience variable significantly affects the customer interest variable. Moreover, the benefit variable is the variable that has the most dominant influence on the interest of BSI Mojopahit 2 Mojokerto customers in using mobile banking. Based on the results of this study, Islamic banking is expected to provide information about BSI mobile banking clearly and maintain and maximize service features, benefits and ease of use of mobile banking to increase customer interest so that the BSI mobile banking application becomes the main choice in transacting.