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The Effect of Financial Performance toward Profit-Sharing Rate on Mudharabah Deposit of Sharia Banking in Indonesia Sudarsono, Heri; Saputri, Miranti Aprilia
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v9i1.82-92

Abstract

Abstract This study aims to determine the effect of financial performance in the form of Return On Assets (ROA), Operational Expense to Operating Income (OER), Finance to Deposits Ratio (FDR), Non Performing Finance (NPF), and Interest Rate to profit-sharing rate on mudharabah deposit of Sharia banking in Indonesia period 2011.1 to 2017.10. Data analysis method used is Auto-Regressive Distributed Lag (ARDL) which can analyze the relation between independent variable to dependent variable in long term and short term. The results of data analysis show that in the short term ROA and OER variable negatively affect the profit-sharing rate mudharabah deposits. While the variable of FDR and Interest rate have positive effect to profit-sharing rate of mudharabah deposit, on the other hand NPF variable does not affect to profit-sharing level of mudharabah deposit. Meanwhile in the long run the variable of FDR and OER have negative effect, the variable of Interest rate has positive effect. Meanwhile, the ROA and NPF variables do not affect the profit-sharing of mudharabah depositsAbstrak Penelitian ini bertujuan untuk mengetahui pengaruh kinerja keuangan berupa Return On Asset (ROA), Biaya Operasional terhadap Pendapatan Operasional (BOPO), Finance to Deposits Ratio (FDR), Non Performing Finance (NPF), dan Suku Bunga terhadap tingkat bagi hasil deposito mudharabah pada perbankan syariah di Indonesia periode tahun 2011.1 sampai 2017.10. Metode analisis data yang digunakan adalah Auto-Regressive Distributed Lag (ARDL) yang dapat menganalisa keterkaitan antara variabel independen terhadap variabel dependen dalam jangka panjang dan jangka pendek. Hasil analisis data menunjukkan bahwa dalam jangka pendek variabel ROA dan BOPO berpengaruh negatif terhadap tingkat bagi hasil deposito mudharabah. Sedangkan variabel FDR dan Suku Bunga berpengaruh positif terhadap tingkat bagi hasil deposito mudharabah, dilain pihak variabel NPF tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah. Dan dalam jangka panjang variabel FDR dan BOPO berpengaruh negatif, variabel Suku Bunga berpengaruh positif. Sementara itu, variabel ROA dan NPF masing-masing tidak berpengaruh terhadap tingkat bagi hasil deposito mudharabah
THE RELATIONSHIP BETWEEN ECONOMIC GROWTH AND GOVERNMENT SPENDING: A CASE STUDY OF OIC COUNTRIES Sudarsono, Heri
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 11, No 2 (2010): JEP Desember 2010
Publisher : Universitas Muhammdaiyah Surakarta

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Abstract

This paper presents the results for testing for causal relationship between economic growth and goverment spending for OIC countries covering the time series data 1970~2006. There are usually two propositions regarding the relation between economic growth and government spending: Wagner’s Law states that as GDP grows, the public sector tends to grow; and the Keynesian framework postulates that public expenditure causes GDP to grow. The primary strength and originality of this paper is that we used aggregate data as well as disaggregate data for Granger causality test. By testing for causality between economic growth and government spending, we find that government spending does cause economic growth in Iran, Nigeria and Tunisia, which are compatible with Keynesian’s theory. However, the economic growth does cause the increase in goverment spending in Algeria, Burkina Faso, Benin, Indonesia, Libya Malaysia, Marocco, and Saudi, which are well-suited with Wagner’s law.
ANALYSIS OF POVERTY LEVEL IN DISTRICTS/CITIES OF CENTRAL JAVA Novianto, Setyo; Sudarsono, Heri
Jurnal Ekonomi Pembangunan Vol 16, No 1 (2018): JURNAL EKONOMI PEMBANGUNAN
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (705.138 KB) | DOI: 10.22219/jep.v16i1.8181

Abstract

This study aims to determine the effect of economic growth, HDI, inflation, and unemployment to poverty level in Central Java regency / city. The method of analysis used in this study is a method of panel data analysis combination between time series with cross-sectional analysis as a data processing tool using Eviews 9. The model chosen in this research is the random effect model. The result of regression model of random effect shows that economic growth, ipm, and inflation have negative effect on poverty level. While unemployment positively affect the level of poverty. For F test, the variable of economic growth, HDI, inflation, and unemployment together (simultaneously) have an effect on poverty level.
Analisis Pengaruh Kinerja Keuangan terhadap Profitabilitas Bank Syariah di Indonesia Sudarsono, Heri
Economica: Jurnal Ekonomi Islam Vol 8, No 2 (2017)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2017.8.2.1702

Abstract

This study aimed to analyze the factors affecting the amount of profitability (ROA) provided by Islamic banking in Indonesia. The data which is used is taken from the financial report of the Shari’a Bank during the 2011-2016 periods by using montly financial statement This study uses a Vector Error Correction Model (VECM) to see the long-term effect and response to shock that occur in the studied variables. The result shows that in the long run, the percentage Financing (FIN) and BOPO give a positive siqnifikant effect on the ROA, while third party funds (DPK), percentage profit and loss sharing (TBH), financial to deposit ratio (FDR) has negative and siqnificant effect on the ROA. Sertifikat Bank Indonesia Syariah (SBIS) and non performing finance (NPF) have no significant effect on the ROA. In short run, ROA give a negatif and siqnificant effect on the ROA and FDR give a positif and siqnificant effect, while DPK, FIN, SBIS, TBH, NPF and BOPO have no sinificant effect on the ROA. Therfore, shocks that occur in the ROA, FIN, FDR , NPF dan BOPO positively responded by ROA and will be stable in the long term. While the shocks that occur in the percentage of FDR, SBIS and TBH responded negatively by financing and will be stable in the long term.Penelitian ini bertujuan untuk menganalisis faktor-faktor yang memengaruhi profitabilitas (ROA) perbankan syariah di Indonesia. Data yang digunakan data bulanan dari laporan keuangan bank syariah periode 2010-2015. Penelitian ini mengunakan Vector Error Correction Model (VECM) untuk melihat dampak jangka panjang dan respon terhadap dampak shock pada setiap variabel terhadap pembiayaan. Hasil olah data menunjukkan bahwa FIN dan BOPO berhubungan positif terhadap ROA, sedangkan DPK, TBH, FDR berhubungan negatif terhadap dan ROA SBIS dan NPF tidak berpengaruh terhadap tingkat ROA. Dalam jangka pendek, ROA berhubungan negatif, tetapi FDR terhadap ROA berhubungan positif. Sedangkan DPK, FIN, SBIS, TBH, NPF and BOPO tidak berhubungan dengan pembiayaan. Di lain pihak, respon pembiayan terhadap goncangan yang terjadi terjadi pada ROA, FIN, FDR, NPF dan BOPO direspon positif oleh ROA. Sedangkan respon ROA terhadap goncangan yang terjadi pada FDR, SBIS dan TBH adalah negatif.
THE RELATIONSHIP BETWEEN ECONOMIC GROWTH AND GOVERNMENT SPENDING: A CASE STUDY OF OIC COUNTRIES Sudarsono, Heri
Jurnal Ekonomi Pembangunan: Kajian Masalah Ekonomi dan Pembangunan Vol 11, No 2 (2010): JEP Desember 2010
Publisher : Universitas Muhammdaiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/jep.v11i2.322

Abstract

This paper presents the results for testing for causal relationship between economic growth and goverment spending for OIC countries covering the time series data 1970~2006. There are usually two propositions regarding the relation between economic growth and government spending: Wagner’s Law states that as GDP grows, the public sector tends to grow; and the Keynesian framework postulates that public expenditure causes GDP to grow. The primary strength and originality of this paper is that we used aggregate data as well as disaggregate data for Granger causality test. By testing for causality between economic growth and government spending, we find that government spending does cause economic growth in Iran, Nigeria and Tunisia, which are compatible with Keynesian’s theory. However, the economic growth does cause the increase in goverment spending in Algeria, Burkina Faso, Benin, Indonesia, Libya Malaysia, Marocco, and Saudi, which are well-suited with Wagner’s law.
ANALISIS PENGARUH VARIABEL MIKRO dan MAKRO TERHADAP NPF PERBANKAN SYARIAH di INDONESIA Sudarsono, Heri
EQUILIBRIUM Vol 6, No 1 (2018): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v6i1.3040

Abstract

Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh variabel mikro berupa CAR,FDR, ROA dan BOPO serta variabel makro berupa Inflasi, BI Rate dan Kurs terhadap NPF pada perbankan syariah di Indonesia periode tahun 2011:1 sampai 2017:7. Metode analisis data yang digunakan adalah Auto-Regressive Distributed Lag (ARDL) yang dapat menganalisa keterkaitan antara variabel independen terhadap variabel dependen dalam jangka panjang dan jangka pendek. Hasil analisis data menunjukkan bahwa dalam jangka pendek variabel CAR berpengaruh negatif tidak signifikan terhadap NPF, variabel FDR, ROA, BOPO dan BI Rate berpengaruh positif signifikan terhadap variabel NPF, sedangkan variabel Inflasi dan Kurs berpengaruh negatif signifikan terhadap NPF. Dan dalam jangka pendek variabel CAR, FDR dan BOPO berpengaruh positif signifikan terhadap NPF, variabel ROA dan BI Rate Kurs berpengaruh positif tidak signifikan terhadap NPF, sedangkan Inflasi berpengaruh negatif signifikan terhadap NPF. Kata Kunci : auto-regressive distributed lag (ARDL), non performing finance, variabel makro, variabel mikro. Abstract This study aims to determine the effect of micro variable in the form of CAR, FDR, ROA and BOPO and macro variables such as inflation, BI Rate and Exchange Rate against NPF in Islamic banking in Indonesia period in 2011: 1 to 2017: 7. Data analysis method used is the Auto-Regressive Distributed Lag (ARDL) to analyze the linkages between the independent variable on the dependent variable in the long term and short term. The result showed that in the short term; CAR, FDR and BOPO give significant positive effect on NPF.Thus, ROA variable, BI Rate and Exchange Rate giveinsignificant positive effect on NPFwhile the inflation variable gives significant negative effect on NPF. Further, in the long term; CAR variable givesinsignificant negative effect on the NPF while ROA and BI Rate and Exchange Rate give significant positive effect on NPF whereas inflation and exchange rate give significant negative effect on NPF.Keywords : auto-regressive distributed lag (ARDL), macro variable, macro variable, non performing finance. 
THE ANALYSIS OF FACTORS THAT AFFECT LABOR ABSORPTION IN NATURAL RUBBER PLANTATION Putri, Nadya; Sudarsono, Heri
Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Vol 14, No 2 (2019): September
Publisher : Universitas Muhammadiyah Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (971.533 KB) | DOI: 10.24269/ekuilibrium.v14i2.1610

Abstract

The study aimed to analyze several indicators that exist in the rubber industry and their influence on labor absorption in particular provinces in Indonesia from 2012-2015. The provinces consisted of North Sumatera, Riau, South Sumatera, Lampung, West Kalimantan, Central Kalimantan, South Kalimantan, West Java, Aceh, and East Java. The factors that the writer used in this research were rubber production, the size of rubber plantation, provincial minimum wage, and the number of company. In this research,  the writer used panel data regression as the analyzing tool and random effect model as the best model to describe the relationship between independent and dependent variables. The result of the result shows that the provincial minimum wage and the number of company had significant effect on labor absorption while the other two, rubber production and the size of rubber plantation area did not have significant effect on labor absorption.
PENGARUH KEPEMIMPINAN TRANSFORMASIONAL, MOTIVASI KERJA, DAN KOMITMEN ORGANISASI TERHADAP KEPUASAN KERJA DAN KINERJA PADA TENAGA MEDIS DAN PARAMEDIS ( STUDI KASUS PADA PUSKESMAS “X” DI SURABAYA ) Rachma Yulia, Novie Noordiana; Sudarsono, Heri
JUMANJI (JURNAL MANAJEMEN JAMBI) Vol 2 No 1 (2019): JUMANJI (JURNAL MANAJEMEN JAMBI)
Publisher : LPPM Universitas Adiwangsa Jambi

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Abstract

dari seluruh aktivitas perusahaan. Upaya untuk meningkatkan kinerja dilakukan melalui sistem kepemimpinan yang tertata dengan baik dan pemberian motivasi agar semangat kerja karyawan meningkat. Penelitian ini bertujuan untuk mengetahui pengaruh kepemimpinan transformasional, motivasi kerja, dan komitmen organisasi terhadap kinerja karyawan. Penelitian ini menggunakan metode survei dengan kuesioner sebagai alat pengumpulan data. Populasi dalam penelitian ini adalah seluruh tenaga medis dan paramedis di Puskesmas ?X? Surabaya  yang berjumlah 30 orang. Sampel yang diambil sebanyak 30 orang karyawan dengan teknik pengambilan sampel Non-Probability Sampling dengan Sampling Jenuh, dimana semua anggota populasi menjadi sampel. Data yang diperoleh melalui kuesioner kemudian diuji validitas dan reliabilitasnya dengan menggunakan rumus korelasi product moment dan cronbach?s alpha. Analisis data menggunakan analisi regresi ganda, uji F,uji t, dan uji koefisien determinasi dan disertai dengan pengujian asumsi klasik. Hasil penelitian menunjukkan bahwa : (1) Kepemimpinan transformasional secara individu/parsial tidak berpengaruh terhadap kinerja petugas medis dan paramedis Puskesmas ?X? Surabaya. Hal ini terbukti dari hasil uji t memperoleh nilai thitung sebesar 1,028 dengan t tabel sebesar 2,05 dengan taraf signifikansi 5%. Artinya kepemimpinan transformasional yang dijalankan secara parsial tanpa diikuti oleh motivasi kerja dan komitmen organisasi, maka tidak akan berpengaruh terhadap kinerja karyawan. (2) Motivasi kerja berpengaruh positif terhadap kinerja petugas medis dan paramedis Puskesmas ?X? Surabaya. Hal ini terbukti dari hasil uji t memperoleh nilai thitung sebesar 34,013 dengan t tabel sebesar 2,05 dengan taraf signifikansi 5%, maka H2 diterima. Artinya semakin tinggi motivasi kerja karyawan, maka kinerjanya akan semakin meningkat. (3) Komitmen Organisasi berpengaruh positif terhadap kinerja petugas medis dan paramedis Puskesmas ?X? Surabaya. Hal ini terbukti dari hasil uji t memperoleh nilai thitung sebesar 3,478 dengan t tabel sebesar 2,05 dengan taraf signifikansi 5%, maka H3 diterima. Artinya semakin tinggi komitmen organisasi karyawan, maka kinerjanya akan semakin meningkat.
ANALISIS KEAKTIFAN MANAJEMEN RISIKO DALAM MENENTUKAN KEBIJAKAN STRUKTUR MODAL, KEPUTUSAN PEMBERIAN KREDIT, TINGKAT RISIKO DAN PROFITABILITAS BANK UMUM Sudarsono, Heri
Derivatif : Jurnal Manajemen Vol 14, No 2 (2020): November
Publisher : Universitas Muhammadiyah Metro Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jm.v14i2.516

Abstract

This study aims to analyze the activeness of bank risk management in influencing the capital structure policy, lending decisions, the level of bank profitability and risk. The samples used in this study were 4 banks that met the requirements in this study. The method used in this study was SEM (Structural Equation Modelling). Based on the research results, it can be concluded that the capital factor and risk management factors have a positive effect on the lending factor. Risk factors have negative effect on lending factors, capital factors and risk management factors have no positive effect on profitability factors. Risk factors have a positive effect on profitability factors, Lending factors have no positive effect on profitability factors, capital factors and risk management factors have positive effects on risk factors. Risk Management Factors and Profitability Factors have a positive effect on Capital Structure Factors, Risk Factors do not have a negative effect on Capital Structure Factors, Capital Factors and Lending Factors have no positive effect on Capital Structure Factors.Keywords: Risk Management, Capital Structure, Lending, Profitability, Risk
Analisis Profitabilitas Bank Syariah Di Indonesia: Pendekatan Autoregressive Distributed Lag (ARDL) Dewi, Fitri Kurnia; Sudarsono, Heri
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 5, No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v5i1.20281

Abstract

This study aims to analyze the factors that affect the profitability of Islamic Commercial Banks in Indonesia. The dependent variable in this study is Return on Assets (ROA), while the independent variables include CAR, NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, BI Rate, and inflation. The research period was from January 2015 to July 2020 using the Autoregressive Distributed Lag (ARDL) approach. This study found that in the short term NPF, FDR, BOPO, DPK, mudharabah financing, murabahah financing, and inflation are significant variables on profitability. Meanwhile, in the long term, the variables that are significant to profitability include CAR, BOPO, DPK, and BI Rate. Mudharabah and BOPO financing are the variables that have the biggest influence on profitability. Therefore, Islamic bank management needs to pay attention to the risk of financing using a profit-sharing scheme. In addition, management needs to maintain the level of bank efficiency by taking into account the use of funds to meet operational expense.