{"title":"Financial Ratio to Financing in Indonesia Islamic Rural Bank Analysis","authors":"Muthi' 'Adilah Bahril, Ryan Rahmah Maulayati","doi":"10.20885/JIELARIBA.VOL6.ISS1.ART3","DOIUrl":"https://doi.org/10.20885/JIELARIBA.VOL6.ISS1.ART3","url":null,"abstract":"The purpose of this study is to analyze factors which influence financing in Indonesia Islamic Rural Bank. The data used are monthly financial report of Islamic Rural Bank (IRB) from 2014 to 2018. This study is using Vector Error Correction Model (VECM) to find the short and long term impacts and respons to the shock impact in each variable to financing. The results respresent that CAR, FDR, BOPO and DPK variables have a significant positive effect on financing in short term. Subsequently in the long term, CAR and NPF variables have a significant positive effect on financing. Meanwhile FDR and DPK variables have a significant negative effect on financing and the ROA variable has no significant effect on financing. Then, the financing response to shocks that occur in ROA, FDR and DPK is negative. While the financing response to shocks that occur in CAR is negative.","PeriodicalId":134690,"journal":{"name":"Journal of Islamic Economics Lariba","volume":"28 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"117229870","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Hebby Rahmatul Utamy, Muhammad Deni Putra, Frida Amelia, W. Utama
{"title":"The Role of BMT in Increasing Islamic Financial Literacy in Society (Case Study in BMT Amanah Ummat Taram Kecamatan Harau)","authors":"Hebby Rahmatul Utamy, Muhammad Deni Putra, Frida Amelia, W. Utama","doi":"10.20885/JIELARIBA.VOL6.ISS1.ART5","DOIUrl":"https://doi.org/10.20885/JIELARIBA.VOL6.ISS1.ART5","url":null,"abstract":"One of the reasons for the low public transactions in Islamic banks is their low Islamic financial literacy. Financial literacy is the level of knowledge, skills, trust in financial institutions, along with their products and services. The objective of this research is to understand the role of BMT in increasing Islamic financial literacy among society. This study is field research in nature. The study employed descriptive analysis with a qualitative approach, and the data were collected through interviews and documentation. The study was conducted in BMT Amanah Ummat Taram, Kecamatan Harau, Kabupaten Limapuluh Kota. The result showed that Islamic financial literacy is of the utmost importance in society. The society could carry out economic activities under Islamic law and start to move from conventional financial institutions to Islamic financial institutions, such as BMT. Efforts have been taken by BMT to increase Islamic financial literacy. These efforts are the socialization of the Islamic economy, communal Qur’an reading, and skill coaching to improve the quality of internal human resources. Improvements in BMT efforts are including introducing transaction agreements and BMT products to increase customers’ knowledge, promoting products and services through social media to increase customers’ trust, and educating financial management and saving to increase customers’ skills. The main obstacles faced by BMT in their efforts increase Islamic financial literacy is the mindset of the society, education, and lack of skilled and competent staff. ","PeriodicalId":134690,"journal":{"name":"Journal of Islamic Economics Lariba","volume":"500 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"132057009","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Creating Sharia Capital Market Literation Strategy on Social Media among Young Moslem","authors":"Rosana Eri Puspita, Saifudin Saifudin","doi":"10.20885/JIELARIBA.VOL6.ISS1.ART1","DOIUrl":"https://doi.org/10.20885/JIELARIBA.VOL6.ISS1.ART1","url":null,"abstract":"This study aims to create a sharia capital market literation strategy on social media among young Moslem based on influence from social media influencer, social presence, and trustworthiness. The approach taken in this research is quantitative. Data is collected with the help of research instruments in the form of online questionnaires. The population in this study is the young Moslem who tends to be a social media. The sample size in this study was113. The testing tool in this study used SPSS and a regression test was conducted to determine the effect of this research variable. The results show that social media influencers, social presence, and trustworthiness have a significant effect on intention-to- learn sharia capital markets. The study suggests many programs to create sharia capital market literation on social media among young Moslem.","PeriodicalId":134690,"journal":{"name":"Journal of Islamic Economics Lariba","volume":"7 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"121337393","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Ryan Rahmah Maulayati, Muthi' 'Adilah Bahril, S. Herianingrum
{"title":"Effect of Macroeconomic Variables on Third-Party Funds in Islamic Commercial Banks in Indonesia","authors":"Ryan Rahmah Maulayati, Muthi' 'Adilah Bahril, S. Herianingrum","doi":"10.20885/JIELARIBA.VOL6.ISS1.ART2","DOIUrl":"https://doi.org/10.20885/JIELARIBA.VOL6.ISS1.ART2","url":null,"abstract":"The purpose of this article is to look at the long-term and short-term relationships between macroeconomic variables, namely the exchange rate, inflation and IPI to third party funds with Islamic commercial banks in Indonesia. This article uses quantitative research methods, the data used is secondary data with the time series type from January 2014-December 2018, the analytical tool used is VECM, which is a form of VAR detected. Before the final results are obtained, there are several analyzes that must be performed before testing the VECM, namely the stationarity test, the optimal lag test, the cointegration test, the VECM estimate, and finally the impulse response function test. Based on the results of the analysis performed, the results show that for both long and short term exchange rate variables affect deposits, the inflation variable in this investigation period does not affect deposits and the IPI variable has a long term relationship with deposits, while in the short term has no relationship with third party funds. This article contributes to the effect of both long and short term macroeconomic variables on the interest of customers in depositing money with Islamic banks to be used as third party funds with Islamic banks.","PeriodicalId":134690,"journal":{"name":"Journal of Islamic Economics Lariba","volume":"9 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2020-06-18","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"114362270","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
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