Idah Zuhroh
Universitas Muhammadiyah Malang

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Analisis Kinerja Industri Perbankan Syariah Zuhroh, Idah
Intermediasi Vol 5, No 1 (2009)
Publisher : Departmen Vocational Financial and Banking

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Abstract

 This research aims to evaluate the performance of Sharia Banking industry from the aspects of : asset control, third party fund accumulation (DPK), and the ability of bank to distribute funds. Aside from that , the bank performance will be analyzed from financial ratio indicator referring to bank health assessement by Indonesian Central Bank using CAMEL. Sharia bank performance is emphasized more on it position in the National Banking Industry. Data gathered based on publication of Indonesion Central Bank statistics, while the sample is required only for examining the financial ratio based performance, comprising from the period of 2001-2005.The result of the research show that sharia banking has good performance indicating from the highest asset growth, third party fund accumulation (DPK), and also positively consistent funding and the increased tendency in market segment and position in the National Banking Industry, even if is relatively low (less than 2%). T test analysis with significant level of 5% show that sharia bank has leveled with National Banking Industry from the aspect of capital ratio, while asset quality perceived from non performing financing is higher than the National Banking Industry. From efficiency perspectives, Sharia Banking only has better performance than BUSN non Reserve, but is left behind compare to BPD.The ability in achieving profitability for Sharia Banking is leveled with Bank Persero, BUSN Reserve or even National Banking Industry. Compare to BUSN non Reserve, Sharia bank is significantly better in performance, however it is lagging compare to two other bank group , which are : Mixed Bank and Foreign Bank . The examination on liquidity reveals that banks in the industry are just over –liquid, while sharia bank reside under the minimum liquidity requirement, it is imposing that sharia bank has better FDR(Financing to Deposit compare to the other groups of bank in the National Banking Industry without having to sacrifice their asset quality. This is supported with low NPF bay Sharia Bank.Keywords : Sharia Bank, Performance, National Banking Industry.
Analysis of COVID-19 Impact on Micro, Small, and Medium Enterprises (MSMEs) Credit Distribution in East Java Banks Evita Hayatun Nufus; Idah Zuhroh; Muhammad Sri Wahyudi Suliswanto
Journal of Accounting and Investment Vol 22, No 2: May 2021
Publisher : Universitas Muhammadiyah Yogyakarta, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (716.033 KB) | DOI: 10.18196/jai.v22i2.10701

Abstract

Research aims: The purpose of this study was to determine the credit distribution level used as working capital assistance for Micro, Small, and Medium Enterprises (MSMEs) during the COVID-19 pandemic.Design/Methodology/Approach: This study used a sample of 8 cities/regencies in East Java. Meanwhile, the Micro, Small, and Medium Enterprises (MSMEs) credit recipients were the population of the sample areas. This research's analysis model was panel data regression (generalized least square) by considering the emergence of heteroscedasticity in cross-section data between regional objects. The control variables outside the COVID-19 were the BI rate, third-party funds (TPF), and inflation.Research findings: This study’s results showed that the COVID-19 pandemic had a significant negative impact only on medium-sized business loans, while micro and small business loans are more resilient. Besides, Micro, Small, and Medium Enterprises (MSMEs) credit was significantly positively influenced by TPF; inflation did not affect credit; the BI rate only negatively affected medium-sized business credit.Theoretical contribution/Originality: Studies on Micro, Small, and Medium Enterprises (MSMEs) credit-related to economic phenomena and monetary policy have been widely carried out. However, the catastrophic virus that causes long-term economic uncertainty and impacts banks and Micro, Small, and Medium Enterprises (MSMEs) still requires in-depth study. Also, this study employed the GLS model that considers heteroscedasticity, which is still rarely used in previous studies.Practitioner/Policy implication: This research can be essential information for the Indonesian Financial Services Authority (Otoritas Jasa Keuangan or OJK) and Bank Indonesia (BI) in policymaking, both regulatory aspects and bank liquidity provision, in stimulating Micro, Small, and Medium Enterprises (MSMEs) credit, especially in the COVID-19 pandemic era.Research limitation/implication: The impact of COVID-19 on Micro, Small, and Medium Enterprises (MSMEs) loans is still classified based on micro, small and medium. It is still not grouped based on the Micro, Small, and Medium Enterprises (MSMEs) business sector in various cities and regencies in East Java. The analysis has not been clustered based on the spatial concentration of the Micro, Small, and Medium Enterprises (MSMEs) recipient areas. 
PREDIKSI INFLASI INDONESIA DENGAN MODEL ARTIFICIAL NEURAL NETWORK Wahyuningsih, Diah; Zuhroh, Idah; Zainuri, -
Journal of Indonesian Applied Economics Vol 2, No 2 (2008)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (858.039 KB) | DOI: 10.21776/ub.jiae.2008.002.02.7

Abstract

This research examines and analyzes the use of Artificial Neural Networks (ANN) asa forecasting tool. Specifically a neural network’s ability to predict future trends ofinflation is tested. Accuracy is compared against a traditional forecasting method,multiple linear regression analysis. Finally, the probability of the model’s forecastbeing  correct  is  calculated  using  conditional  probabilities. While  only  brieflydiscussing  neural  network  theory,  this  research  determines  the  feasibility  andpracticality of using neural networks as a forecasting tool for inflation in Indonesia.This study builds upon the work done by Edward Gately in his book Neural Networksfor Financial Forecasting. This research validates the work of Gately and describesthe  development of  a  neural network  that  achieved an  86  percent probability  ofpredicting an  inflation  rise, while multiple  regression  analysis  is only  to predictinflation that achieved a 16%.  It was concluded that neural networks do have  thecapability to forecast inflation and, if properly trained, we could benefit from the useof this forecasting tool.Keywords: neural networks,  inflation,  time  series analysis,  forecasting, artificialintelligence
DAMPAK PERTUMBUHAN NILAI TUKAR RIIL TERHADAP PERTUMBUHAN NERACA PERDAGANGAN INDONESIA (SUATU APLIKASI MODEL VECTOR AUTOREGRESSIVE, VAR) Zuhroh, Idah; Kaluge, David
Journal of Indonesian Applied Economics Vol 1, No 1 (2007)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (393.087 KB) | DOI: 10.21776/ub.jiae.2007.001.01.3

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This study aimed to test the impact of the growth of real exchange rate towards thegrowth of  Indonesian trade balance by using Vector Autoregressive  (VAR) Model.By  using quarterly data  from 1983.1  to 2005.4 periods,  the  result obtained  is  inaccordance with  other  countries which  response  positively  the  depreciation  ofexchange rate in long term or follow the phenomenon of J-curve. However, the rate ofgrowth is still weak in explaining the growth of trade balance because the model isonly significant estimates at á and based on the decomposition of variation of growthsurprises of real exchange rate is only 2.7% in average which explained the variationof trade balance growth.Keywords: J­curve, real exchange rate, trade balance Vector Autoregressive.
An Approach of Vector Autoregression Model for Inflation Analysis in Indonesia Idah Zuhroh; Hendra Kusuma; Syela Kurniawati
Journal of Economics, Business, & Accountancy Ventura Vol 20, No 3 (2017): December 2017 - March 2018
Publisher : STIE Perbanas Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14414/jebav.v20i3.1019

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A control of the inflation rate caused by the fluctuations in foreign exchange reserves, money supply, and exchange rate is required to create the stability of the country's economy. This study aims to analyze the dynamic impact of disturbance factors contained in the variables of foreign exchange reserves, the money supply, and the exchange rate. This research used monthly data from June 2009 to November 2016. It used a method used of Vector Autoregression. The result shows that a foreign exchange reserve has a negative relationship nut not significant effect on inflation, money supply has positive relationship and significant effect on inflation, and exchange rate of rupiah to US dollar has negative relationship and significant effect on inflation. The responce of inflation from shocking occurs to supply, foreign exchange reserves and exchange rate tend to be convergent and the biggest contribution that influences inflation the most is exchange rate beside inflation itself.
KOMPARASI KINERJA KEUANGAN BANK NASIONAL DAN BANK ASING TAHUN 2010-2014 La Subuh; Idah Zuhroh; Muhammad Faisal Abdullah
Jurnal Ekonomi Pembangunan Vol. 14 No. 2 (2016): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jep.v14i2.3892

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The purpose of this research was to know the profile of the financial performance of national banks and foreign banks and better financial performance between national bank with foreign banks. Analysis tool used was the test of normality and independent sample t-test. Research results showed that foreign banks are better than CAR aspect ratio, ROA and BOPO whereas national bank better than KAP and aspect ratio LDR. Then you coould take the conclusion that financial performance was better than foreign banks on the financial performance of national bank. Significant differences between the foreign banks and the national bank were at the ratio of CAR, ROA, and LDR, BOPO. Then that there was no significant difference in the ratio was KAP. Based on the determination of the level of health of the banks, both foreign and National Banks  were are on health predicate.
PENGENALAN OPERASIONAL BANK SYARIAH MELALUI LABORATORIUM RIIL BANKING Idah Zuhroh
MediaTrend Vol 7, No 2 (2012): Oktober
Publisher : Trunojoyo University of Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21107/mediatrend.v7i2.1744

Abstract

The practice of sharia banking in Indonesia has reached the age of twenty years. The rapid growth of sharia banks, has not as to as expected. Recently (in 2012), the market share of sharia banks still reached 3.8%. One obstacle to realize sharia banks as national banking trendsetter is still lack of public knowledge about the operations of sharia banks. In addition, the paradigm of sharia banks are more complex than conventional banks. Islamic bank managers mush have knowledge and entrepreneurial spirit. This paper aims to illustrate how efforts to introduce sharia banking operations can be performed in real terms in Sharia Banking Laboratory of the Faculty of Economics and Business (FEB) University of Muhammadiyah of Malang (UMM). A variety of treatment and observation can be done so as to strengthen the academic understanding of interest-free banks or banks with profit-sharing system. Some problems appear related to the operation of the bank towards the ideal lab, able to represent objective fact sharia bank development issues in Indonesia.
THE IMPACTS OF AFTA-COMMON EFFECTIVE PREFERENTIAL TARIFFS ON THE TRADE DIVERSION AND TRADE CREATION OF SYNTHETIC RUBBER AND FACTICE FROM OIL IN INDONESIA Amir, Faizal; Zuhroh, Idah
Muhammadiyah International Journal of Economics and Business Vol. 1, No.1, 2018
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Perguruan Tinggi Muhammadiyah

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Abstract

Rubber and its products are one of the exported commodities listed in Indonesia’s ten primary exported commodities (Ministry of Trade 2015). Different from other rubber products, the impor of synthetic rubber and factice from oil have increased significantly since the establishment of the AFTA-CEPT with approximately 7 thousand registered products in the Inclusion List (IL) in 2002. This study aimed to analyze the competitiveness of synthetic rubber and factice krom oil among the members of AFTA countries and analyze the impacts of trade creation and Trade diversion on the implementation of the CEPT-AFTA on synthetic rubber and factice oil krom Indonesia, particularly in the 11 countries of origin of imports during the period from 2001 to 2013 by using a gravity model, which was analyzed using static data panel. Based on the results of RCA (Revealed Comparative Advantage), the competitiveness of synthetic rubber and factice oil from Indonesia is very low among four ASEAN countries, while Thailand is the top exporting countries in ASEAN region. The results of the panel data analysis showing variables which have positive influence are Indonesia’s real GDP and real GDP of the country of origin of imports, while variables with negative effect are economic distance and Indonesia’s real exchange rate compared to the country of origin of imports. The implementation of AFTA-CEPT brought against Trade diversion and creation of synthetic rubber and factice oil from Indonesia will have impacts on the existence of trade creation because part of the domestic production of synthetic rubber Ana factice oil from Indonesia will be replaced with imports from member countries and there is on trade diversion.
DINAMIKA DERAJAT PERSAINGAN INDUSTRI PERBANKAN INDONESIA Zuhroh, Idah
Journal of Innovation in Business and Economics Vol 5, No 2 (2014)
Publisher : Faculty of Economics and Business, University of Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (103.035 KB) | DOI: 10.22219/jibe.v5i2.2268

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This study aims to investigate the dynamics of the degree of competition in the banking industry in Indonesia, especially in the banking consolidation period ( 2000 -2008)  is measured from the concentration ratio (CR 8) and Learner index. Samples were grouped into eight largest bank size (CR8) and outside CR8. The findings indicate that during the consolidation period (2000 -2006), concentration ratio tend to decrease  of 70% towards 62%. But after  periode 2006, concentration index is  constan. Degree of competition   by largest  bank size  (CR8)  indicated by an Learner  index greater and is likely to increase rather than smaller  bank size  (outside CR 8). This gives a signal that  largest bank size  have more market power to direct output prices  ( credit ) above marginal cost  compared to the group of banks outside of CR 8.
Global Crisis and Economic Fundamentals: Its Impact on Foreign Direct Investment in ASEAN Countries Idah Zuhroh; Harpiyansa Harpiyansa
Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Vol 17, No 1 (2022): March
Publisher : EKUILIBRIUM : JURNAL ILMIAH BIDANG ILMU EKONOMI

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (557.799 KB) | DOI: 10.24269/ekuilibrium.v17i1.4549

Abstract

Foreign direct investment has an important role in the running of a country's economy. This study aims to analyze the role of macroeconomic fundamentals consisting of Gross Domestic Product (GDP), interest rates, exchange rates, and exports in influencing Foreign Direct Investment (FDI) in the ASEAN 6 region (Indonesia, Malaysia, Singapore, Thailand, the Philippines, and Vietnamese). The data used are from 1990-2019 sourced from the World Bank and UNCTAD. The method used is panel data regression and time series with the best model selection, namely the Random Effect Model. The results of panel data analysis show that GDP, interest rates, exchange rates, and exports are the determinants of FDI in ASEAN 6 with a significant probability value. The positive direction coefficient is indicated by the GDP and exchange rate variables, while interest rates and exports indicate a negative direction coefficient. The results of the time-series data confirm that each country has similar results in the panel data analysis, but interest rates in Malaysia have the largest negative effect on FDI in Malaysia. Meanwhile, the exchange rate and exports contributed positively with the largest coefficient for Indonesia. The 1998 and 2008 economic crises were also found to have a negative impact on FDI but not significantly in some countries.