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All Journal Jurnal Intermediasi Jurnal Ekonomi Pembangunan Jurnal Reviu Akuntansi dan Keuangan JEJAK Journal of Economics, Business, & Accountancy Ventura Journal of Indonesian Applied Economics Media Trend: Berkala Kajian Ekonomi dan Studi Pembangunan Journal of Accounting and Investment FALAH Jurnal Ekonomi Syariah Muhammadiyah International Journal of Economics and Business Ekuilibrium : Jurnal Ilmiah Bidang Ilmu Ekonomi Journal of Innovation in Business and Economics Studi Kasus Inovasi Ekonomi Jurnal Inovasi Ekonomi Jurnal Ilmu Ekonomi Journal of Financial Economics & Investment Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Idah Zuhroh
Universitas Muhammadiyah Malang
Humanities Economics, Econometrics & Finance Social Sciences

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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.
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. 
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

Abstract

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.
How Does Profitability, Size, and Capital Affect Credit Risk?: Evidence from Islamic Banks in Asian Countries Idah Zuhroh
Falah: Jurnal Ekonomi Syariah Vol. 7 No. 1 (2022): FEBRUARY
Publisher : Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jes.v7i1.19469

Abstract

The study aims to analyze the effect of profitability, size, and capital on the credit risk of Islamic banks in Asian countries through the mediating variable of financing by path regression analysis. Data were obtained quarterly from 2015Q1 – 2020Q3. Method of the study usedcausal research design, namely research that has the main objective of proving a a relationship affecting and being influenced by the variables studied. The findings conclude that size and profitability significantly affect credit risk through the financing mediation variable.  Capital does not significantly reduce credit risk because it only functions to mediate financing. Meanwhile, increased financing will also increase the credit risk of Islamic banks in the Asian Region. The study can explain why there is an inconsistency of the effect profitability, size, capital, on credit risk because there is a financing mediation role. The implication of policy that the Islamic bankers in Asian countries must more prudent to manage financing so that credit risk is controlled.
PERAN BANK THITIL DALAM KEHIDUPAN MASARAKAT EKONOMI LEMAH (STUDI KASUS PENYALURAN KREDIT OLEH BANK THITIL TERHADAP PEDAGANG SAYUR DI PASAR KESAMBEN KABUPATEN BLITAR) Regar Elisa; Idah zuhroh
Jurnal Ilmu Ekonomi JIE Vol. 1 No. 1 (2017): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v1i1.5399

Abstract

The aim of this research to described thitilbank profile, to described a reason for the vegetable traders in Kesamben market of Blitar regency was using thitilbank to fulfilling their need and testing thitilbank that able to improved their standard living of vegetable traders in Kesamben market of Blitar regency.Method and analysis tool that’s used for this research is with the step of checking back the data obtained or collected from interview results from respondent, took into the data that was collected into a tabular form with a simple frequency distribution, recapitulate the data that was collected to tabular form, described the data which is obtained from recapitulation results and also using different test analysis tools paired sample t-test.From the result of this study shows that Thitilbank was the one channeling funds in the informal sector that’s provide money without assurance for vegetable traders in Kesamben markets of Blitar regency that’s underfunded. With the practice of offering loan money directly with coming to prospective customers. That’s what causes the vegetable traders in Kesamben market of Blitar regency prefer thitilbank in the fulfillment of money due to convenience and service thitilbank. From the result of analysis different tests paired sample t-test shows that there are different income of vegetable traders in Kesamben market of Blitar regency after comparison before receiving credit from thitilbank. This proved from vegetable traders in Kesamben market of Blitar regency before receiving credit from thitilbank on average of the income that was Rp.99.375 every day, then after receiving credit an average of the income beverage traders in Kesamben market of Blitar regency amount of Rp.112.250 every day.Keyword : Thitilbank, Vegetable seller, Standard of living.
PENGARUH PENGELUARAN PEMERINTAH TERHADAP PRODUK DOMESTIK REGIONAL BRUTO PADA KORIDOR UTARA SELATAN DI PROVINSI JAWA TIMUR Latifa Insaf Maulida; Idah Zuhroh
Jurnal Ilmu Ekonomi JIE Vol. 1 No. 3 (2017): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

Influence of Goverment Expenditure to Gross Regional Domestic Procuct. It is common in developing countries like Indonesia, the government plays an important role on the economics. The government expenditure practically effect the economicsoactivity, not only because the expenditure can create the development process but also as the one of the component of aggregate demand that could increase the domestic products. This study aims to determine the impact of government expenditure towards gross regional domestic procuct at north south corridor of east java province in period 2008 – 2016. This study are focused to two majors of government expenditure; operational expenditure and capital expenditure. The analysis of data were conducted using multiple regression of panel data for the hypotheses tested. The result shows that the hypotheses proposed in this sudy is supported.Keyword: goverment expenditure, Gross Regional Domestic Procuct, north south coridor.
ANALISIS PENYERAPAN TENAGA KERJA SEKTOR INDUSTRI PENGOLAHAN TAHUN 2001-2015 DI PASURUAN DAN SIDOARJO Muhammad Ardiansyah; Idah Zuhroh; Muhammad Faisal Abdullah
Jurnal Ilmu Ekonomi JIE Vol. 2 No. 4 (2018): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

The number of employment that has been filled and depicted from the number of people who work can be interpreted as the absorption of labor. The purpose of this study is to know and compare the influence of medium and large industry, minimum wage and economic growth on labor absorption of processing industry sector in Sidoarjo and Pasuruan regency. The tool used in this research is multiple linear regression with time series data.The results of this study indicate that the test together (F test), where Fcount> Ftabel that is equal to 679.4531> 3.59 for Pasuruan and 27.85815> 3.59 for Sidoarjo regency which means Pasuruan Regency significantly more significant than Sidoarjo regency. Individually in both districts, the result of Amount of Medium and Large Industries has positive and significant effect on Labor Absorption, Minimum Wage has negative and significant effect on Labor Absorption, and Economic Growth has positive and significant impact on Labor Absorption.Keywords: Employment Absorption, Amount of Unit Industry, Minimum Wage, and Economic Growth
ANALISIS PAJAK HOTEL DI KABUPATEN KOTAWARINGIN TIMUR novia dwi putri; Idah Zuhroh; Hendra Kusuma
Jurnal Ilmu Ekonomi JIE Vol. 2 No. 4 (2018): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

Research entitled "HOTEL TAX ANALYSIS IN EAST KOTAWARINGIN REGENCY".This study aims to find out the Hotel Tax Analysis In Kotawaringin Timur District. Method of data analysis tool used in this research is panel data analysis. The results of this study indicate that the number of hotels (X1) has a positive relationship to the hotel tax revenue. Elasticity value is 0.834700, meaning the increase in the number of hotels will increase the hotel tax revenue of 0.834700 and cateris paribus. Population (X2) has a positive relationship to the hotel tax revenue. Elasticity value is 0.809850, meaning the decrease in population will increase the hotel tax revenue of 0.809850 and cateris paribus. Place of Attraction (X3) has a positive relationship to the increase in hotel tax revenue is known by its elasticity of 0.527667 which will significantly affect the hotel tax revenue.Keywords: Tax, Hotel, Places of Interest.
ANALISIS PENGARUH MAKRO EKONOMI TERHADAP RETURN SAHAM PERUSAHAAN PADA SUB SEKTOR MAKANAN DAN MINUMAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Feeriska Budi Wiranti; Idah Zuhroh; Ida Nuraini
Jurnal Ilmu Ekonomi JIE Vol. 3 No. 1 (2019): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22219/jie.v3i1.6465

Abstract

This study examines the stock returns of 14  food and beverage companies listed on the Indonesia Stock Exchange in 2017. The sampling technique used purposive sampling sample has certain criteria. The analysis tools multiple linear regression using panel data. In equation model, the stock return is the dependent variable, while the inflation rate and economic growth is the independent variable. The research results showed that simultaneously (Test F) all independent variables affect the dependent variable with a significant value of 0.0000. While partially (T-Test), independent variable X1 has a negative and significant influence on the dependent variable Y. While X2 has a negative and significant influence on the dependent variable Y. While X3 has, a negative and significant influence on the dependent variable Y. Determination Coefficient (R2) from the regression results of 0.212113 showed the ability of independent variables has explained the change of dependent variable of 21.21%,  while the rest of 78.79% has explained by other variables outside fro this research.
ANALISA CADANGAN DEVISA INDONESIA TAHUN 1990-2016 Dessy Dianita; Idah Zuhroh
Jurnal Ilmu Ekonomi JIE Vol. 2 No. 1 (2018): Jurnal Ilmu Ekonomi
Publisher : Program Studi Ekonomi Pembangunan

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Abstract

Foreign exchange reserves are a transaction tool in international trade, a tool to maintain monetary stability (especially exchange rates), a tool to pay off government foreign debt, and also a savings owned by the state. The purpose of this study is to analyze in the short and long term the influence of the exchange rate, BI rate, gross domestic product, and economic crisis on foreign exchange reserves both partially and simultaneously. In conducting this research, researchers used error correction model which included stationary test, cointegration test, short-term regression test, classic assumption test, long-term regression test, and determination coefficient test. Partial test results both in the short and long term can be seen that the exchange rate has a significant and negative effect on foreign exchange reserves, in the short term the BI rate does not have a significant effect and has a negative relationship to foreign exchange reserves and in the long run the BI rate has no effect significant and positively related to foreign exchange reserves, gross domestic product has a significant and positive impact on foreign exchange reserves both in the short and long term, and the economic crisis has a significant and positive impact on foreign exchange reserves both in the short and long term.Keywords : economic crisis, exchange rates, foreign exchange reserves, interest rates, gross domestic product
Co-Authors . Misgayanti Aida Bela Silfia Alvio Veronika Anita Meliana Anggraeni Asmaul Hayani Birrul Walidain Bunga Adelia Mayangsari Daryanti Ningsih Daryanti Ningsih, Daryanti Della Andrieanny Putri Desi Anggarwati Dessy Dianita Devi Vela Maslikhah Dewi Indriana Didit Suprayitno Dwi Susilowati Eris Tri Kurniawati Eris Tri Kurniawti Evita Hayatun Nufus Faizal Amir Faizal Amir, Faizal Feeriska Budi Wiranti Frinda Pramesti Regitara Cahyani Harpiyansa Harpiyansa Hendra Kusuma Hendra Kusuma Herlina Panama Ida Nuraini Indriana, Dewi Kaluge, David La Subuh Latifa Insaf Maulida Levina Prasetyo Lila Denayu Yustian Maydhy Zulfi Afied Misgayanti, . Mohammad Faisal Abdullah Muhammad Ardiansyah Muhammad Sri Wahyudi Suliswanto, Muhammad Sri Nabilah Khairunnisa Natalia Popy Kristian Nazaruddin Malik Nikmatur Rohmah Novia Dwi Putri novia dwi putri Nur Diana Khalidah Pradityo Fahril Arrahman Pristiva, Desy Regar Elisa Rifatin Amalia Selva Kurnia Oneestasya Sri Budi Cantika Sri Budi Cantika Yuli Subuh, La Syamsul Ph.D M.A. Hadi Syela Kurniawati Vebian Indriati Vira Okta Viana Wahyuningsih, Diah Yulidia Rohmawati Zainuri, - Zulfa Nahdia Rahmi