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What Determines the Financial Performance of Islamic Banks in Indonesia? 是什么决定了印尼伊斯兰银行的财务业绩?
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-12-31 DOI: 10.22373/share.v10i2.9164
Early Ridho Kismawadi, Abdul Hamid, Rasydah Rasydah, Ai Rafida
{"title":"What Determines the Financial Performance of Islamic Banks in Indonesia?","authors":"Early Ridho Kismawadi, Abdul Hamid, Rasydah Rasydah, Ai Rafida","doi":"10.22373/share.v10i2.9164","DOIUrl":"https://doi.org/10.22373/share.v10i2.9164","url":null,"abstract":"This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), and Operational Efficiency Ratio (OER) at Islamic Commercial Banks in Indonesia for the 2010-2019 period. The test was carried out using panel data regression with the Random Effect Model (REM) model, tested using the t-test and f test with a significance of 5%. Based on the results of the t-test, partially, OER has a negative and significant effect on Return on Assets (ROA), whilst NPF and CAR do not significantly affect ROA. Moreover, the results of the F-test show that CAR, NPF, and OER simultaneously affect ROA. The results of this study indicate that to maximize the financial performance of Islamic banking in Indonesia, the Islamic banks must pay attention to the OER variable.==========================================================================================================ABSTRACT - Determinan Apa yang Mempengaruhi Kinerja Keuangan Bank Syariah di Indonesia? Penelitian ini bertujuan untuk menganalisis pengaruh Capital Adequacy Ratio (CAR), Non-Performing Financing (NPF), dan Beban Operasional terhadap Pendapatan Operasional (BOPO) pada Bank Umum Syariah di Indonesia periode 2010-2019. Pengujian dilakukan menggunakan regresi data panel dengan model Random Effect Model (REM) yang pengujiannya menggunakan uji t dan uji f dengan signifikansi yaitu 5%. Berdasarkan hasil uji t, secara parsial BOPO berpengaruh negatif dan signifikan terhadap Return on Asset (ROA), sedangkan variabel NPF dan CAR tidak memiliki pengaruh yang signifikan terhadap ROA. Selanjutnya, hasil uji F menunjukkan bahwa CAR, NPF, dan BOPO secara simultan berpengaruh terhadap ROA. Hasil penelitian ini memberikan rekomendasi kepada Bank Syariah di Indonesia agar memberikan perhatian yang lebih serius terhadap variabel BOPO jika ingin memaksimalkan kinerja keuangannya..","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49495122","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}
引用次数: 0
Factors Affecting Collateral Valuation Performance During the Covid-19 Pandemic: An Evidence from Islamic Bank in Indonesia 新冠肺炎疫情期间影响抵押品估值绩效的因素——来自印度尼西亚伊斯兰银行的证据
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-12-31 DOI: 10.22373/share.v10i2.10853
Ria Purnama, S. Jahroh, M. Santoso, Ahmad Rifai Ahmad Rifai
{"title":"Factors Affecting Collateral Valuation Performance During the Covid-19 Pandemic: An Evidence from Islamic Bank in Indonesia","authors":"Ria Purnama, S. Jahroh, M. Santoso, Ahmad Rifai Ahmad Rifai","doi":"10.22373/share.v10i2.10853","DOIUrl":"https://doi.org/10.22373/share.v10i2.10853","url":null,"abstract":"This study aims to analyze the performance of collateral appraisers during the Covid-19 pandemic by using the variables of competence, motivation, and work stress as exogenous variables and through satisfaction as a mediating variable. Data for this study was collected through an online questionnaire from an Islamic bank in Indonesia. It involved 96 respondents, determined by the census sampling technique. Structural Equation Modeling with PLS version 3.0 was employed as an analysis tool. The results showed that competence, motivation, and satisfaction positively and significantly affected performance. In contrast, job stress had a negative and significant effect on the satisfaction and performance of collateral appraisers. The managerial implications that can be applied in the company are maintaining and increasing competence and motivation, increasing satisfaction, and quickly resolving sources of work stress.==========================================================================================================ABSTRAK – Faktor-Faktor yang Mempengaruhi Kinerja Penilai Agunan pada Masa Pandemi Covid-19: Kajian pada Bank Syariah di Indonesia. Penelitian ini bertujuan untuk menganalisis kinerja penilai agunan selama masa pandemi Covid 19 dengan menggunakan variabel kompetensi, motivasi dan stres kerja sebagai variabel eksogen dan variabel kepuasan sebagai variabel mediasi. Data penelitian diperoleh dari penyebaran kuesioner pada sebuah bank syariah di Indonesia. Responden penelitian ini berjumlah 96 orang yang didapat berdasarkan teknik census sampling. Analisis dilakukan dengan Structural Equation Modeling dengan PLS versi 3.0. Hasil penelitian menunjukkan bahwa kompetensi, motivasi dan kepuasan berpengaruh positif dan signifikan terhadap kinerja, sedangkan stres kerja berpengaruh negatif dan signifikan terhadap kepuasan dan kinerja agunan penilai. Implikasi manajerial yang dapat diterapkan di perusahaan adalah mempertahankan dan meningkatkan kompetensi dan motivasi, meningkatkan kepuasan, dan cepat menyelesaikan sumber stres kerja.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":"64 5-6","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41316116","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}
引用次数: 0
Editorial Notes: Issues in Islamic Economics, Banking and Financial Institutions during the Covid-19 Pandemic 编者按:2019冠状病毒病大流行期间伊斯兰经济学、银行和金融机构的问题
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-12-31 DOI: 10.22373/share.v10i2.11997
Azharsyah Ibrahim
{"title":"Editorial Notes: Issues in Islamic Economics, Banking and Financial Institutions during the Covid-19 Pandemic","authors":"Azharsyah Ibrahim","doi":"10.22373/share.v10i2.11997","DOIUrl":"https://doi.org/10.22373/share.v10i2.11997","url":null,"abstract":"In this second issue of the 2021 edition, we mostly received manuscripts discussing the challenges of Islamic Banking and Financial Institutions (IBFIs) within the Covid-19 pandemic. Specifically, they discuss various topics within the field, such as institutional and employees' performances,  financial stability, waqf institutions, the trend of Islamic economics research, and the relevance of Islamic economics and finance essential components to the modern economy. Approaching the publication deadline, only ten were accepted out of the dozen manuscripts that were reviewed. Nine were ready for publication, while the rest still needed quality improvements. As for the process, each manuscript will have to pass an initial review from our editor(s) before forwarding it to suitable reviewers. Some manuscripts would have to go through several rounds before being accepted. The reviewers' feedback was taken into consideration to provide the final decisions. Following that, the manuscripts would have to pass the editing stages, including proof-reading and layout, where our editor(s) will intensely communicate with the authors if needed. It is to ensure that each published manuscript has undergone a quality check. Interestingly, of the published articles, five of them discuss the performance issues in Islamic financial institutions, whilst the rest discuss Islamic economics and financial matters in other topics ranging from waqf institutions, the trend of Islamic economics research, to the relevance of Islamic economics and finance essential components to the modern economy. Please check the PDF file for detailed information.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46287348","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}
引用次数: 0
ECONOMIC THOUGHT OF AL-MAWARDI: ANALYSIS OF EDUCATOR SALARY POSITION AL-MAWARDI的经济学思想&对教育工作者薪酬定位的分析
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/SHARE.V10I1.9260
Ayi Yunus Rusyana, Doli Witro
{"title":"ECONOMIC THOUGHT OF AL-MAWARDI: ANALYSIS OF EDUCATOR SALARY POSITION","authors":"Ayi Yunus Rusyana, Doli Witro","doi":"10.22373/SHARE.V10I1.9260","DOIUrl":"https://doi.org/10.22373/SHARE.V10I1.9260","url":null,"abstract":"Al-Mawardi is one of the great thinkers of Islam in the Middle Ages. He believes that to achieve prosperity in a country, the human mind has an integral role in improving people's welfare and carrying out economic and religious activities. Every government endeavor is expected to align toward specific goals and objectives, particularly in financing education. It is the state that governs the educators' rights and also ensures that educators carry out their teaching obligations. Educators must prioritize student learning and achievement goals. This paper discusses al-Mawardi's economic thinking and focuses on the role of educator's salary. This paper aims to encourage educators that teaching is not just only a job but also has ramifications in the afterlife. Research for this article used a blend of qualitative interviews, as well as contemporary literature review. The data is presented in a narrative-descriptive manner and was analyzed using the Miles and Huberman data reduction method. The results show that, according to al-Mawardi, the state must provide substantial support for education which includes: the provision of adequate educational facilities and a commensurate salary for educators—even utilizing natural resources or other creative methods to pay educators' salaries.================================================================================================== ABSTRAK – Pemikiran Ekonomi Al-Mawardi: Analisis terhadap Gaji Pendidik. Al-Mawardi merupakan salah satu pemikir besar Islam yang hidup di abad pertengahan. Dia melihat agar tercapainya kesejahteraan dalam suatu negara, akal manusia memiliki peran yang urgen sehingga dapat meningkatkan kesejahteraan masyarakat, menjalankan kegiatan ekonomi dan agama. Setiap implementasi yang dilakukan pemerintah diharapkan sesuai dengan sasaran dan tujuan. Khusus dalam pembiayaan pendidikan, bukan hanya negara yang harus memberikan hak pendidik, tetapi pendidik juga harus menjalankan kewajiban sebagai pengajar. Bukan hanya agar kewajibannya terlaksana, namun pendidik harus mengutamakan apakah murid mendapatkan ilmu atau tidak. Tulisan ini membahas mengenai pemikiran ekonomi al-Mawardi yang difokuskan kepada kedudukan gaji yang diterima pendidik. Tulisan ini bertujuan untuk memberikan pemahaman kepada pendidik, bahwa mengajarkan suatu ilmu bukan hanya untuk mendapatkan kehidupan dunia, namun juga dapat bermanfaat dan berguna di akhirat. Artikel ini menggunakan penelitian yang menggunakan pendekatan kualitatif. Artikel ini bersifat penelitian pustaka. Data disajikan dengan naratif-deskriptif dan dianalisis dengan metode analisis data yang diperkenalkan Miles dan Huberman yaitu reduksi data, penyajian data, dan penarikan kesimpulan. Hasil penelitian menunjukkan, menurut al-Mawardi, negara harus memberikan dukungan yang sangat besar terhadap pendidikan. Dukungan yang besar tersebut tercermin dalam bentuk penyediaan sarana pendidikan yang memadai dan gaji yang layak untuk pendidik. Negara harus sel","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45824826","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}
引用次数: 1
COMPARISON OF ISLAMIC BANKING PERFORMANCE IN INDONESIA, PAKISTAN, AND BANGLADESH: SHARIA MAQASHID INDEX APPROACH 印度尼西亚、巴基斯坦和孟加拉国伊斯兰银行绩效比较:伊斯兰教法玛卡希德指数方法
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/share.v10i1.9351
Mohammad Arif, Dede Yati
{"title":"COMPARISON OF ISLAMIC BANKING PERFORMANCE IN INDONESIA, PAKISTAN, AND BANGLADESH: SHARIA MAQASHID INDEX APPROACH","authors":"Mohammad Arif, Dede Yati","doi":"10.22373/share.v10i1.9351","DOIUrl":"https://doi.org/10.22373/share.v10i1.9351","url":null,"abstract":"There is a different characteristic between Islamic banks and conventional banks, so Islamic banks must have performance measures based on Islamic values in them. This study aims to measure the performance of Islamic banks in three countries - Bangladesh, Indonesia, and Pakistan - using the Sharia Maqashid Index. Also, this study examined whether there were differences in Sharia Maqashid Islamic bank indexes in the three countries using the one-way ANOVA test. The results of the study, in general, showed that the Al-Arafah Islamic Bank of Bangladesh received the highest score, followed by Bank of BNIS and Bank of BRIS. Besides, the results of the study also showed that there were differences in performance. This result implies that Islamic banks should use the maqashid sharia framework as a benchmark for their objective and performance indicators.========================================================================================================ABSTRAK – Perbandingan Kinerja Perbankan Syariah di Indonesia, Pakistan, dan Bangladesh: Pendekatan Indeks Maqashid Syariah. Terdapat perbedaan karakteristik antara bank syariah dan bank konvensional, sehingga ukuran kinerja bank syariah harus didasarkan pada nilai-nilai syariah yang terdapat di dalamnya. Penelitian ini bertujuan untuk mengukur kinerja bank syariah di tiga negara yaitu Bangladesh, Indonesia, dan Pakistan dengan menggunakan Sharia Maqashid Index. Selain itu, penelitian ini juga menguji apakah ada perbedaan indeks bank syariah Maqashid Syariah di tiga negara dengan menggunakan uji one-way ANOVA. Hasil penelitian secara umum menunjukkan bahwa Bank Islam Al-Arafah Bangladesh memperoleh skor tertinggi, disusul oleh Bank BNIS dan Bank BRIS. Selain itu, hasil penelitian juga menunjukkan adanya perbedaan kinerja di tiga negara tersebut. Hasil ini menyiratkan bahwa bank syariah harus menggunakan kerangka maqashid syariah sebagai tolok ukur tujuan dan indikator kinerjanya.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"41854080","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}
引用次数: 3
NOTES FROM THE EDITOR’S DESK - VOL. 10, NO. 1, 2021 编辑办公桌上的笔记-第10卷,2021年第1期
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/share.v10i1.10073
Azharsyah Ibrahim
{"title":"NOTES FROM THE EDITOR’S DESK - VOL. 10, NO. 1, 2021","authors":"Azharsyah Ibrahim","doi":"10.22373/share.v10i1.10073","DOIUrl":"https://doi.org/10.22373/share.v10i1.10073","url":null,"abstract":"","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46534077","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}
引用次数: 1
HOW ISLAMIC SOCIAL FUNDS SUPPORT SUSTAINABLE DEVELOPMENT GOALS DURING COVID OUTBREAK? THE ROLE OF RELIGIOSITY, TRUST, AND PERCEIVED BEHAVIORAL CONTROL 伊斯兰社会基金如何在新冠疫情期间支持可持续发展目标?宗教信仰、信任和感知行为控制的作用
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/SHARE.V10I1.9302
Y. Tumewang, Intan Tri Annisa, Faaza Fakhrunnas
{"title":"HOW ISLAMIC SOCIAL FUNDS SUPPORT SUSTAINABLE DEVELOPMENT GOALS DURING COVID OUTBREAK? THE ROLE OF RELIGIOSITY, TRUST, AND PERCEIVED BEHAVIORAL CONTROL","authors":"Y. Tumewang, Intan Tri Annisa, Faaza Fakhrunnas","doi":"10.22373/SHARE.V10I1.9302","DOIUrl":"https://doi.org/10.22373/SHARE.V10I1.9302","url":null,"abstract":"Islamic social fund is proliferating in this most populous Muslim country, particularly in the time of this pandemic. During early 2020, there was a substantial growth of the collection of Islamic social funds for nearly 70% compared to the last year's figure, which is mainly driven by the digitalization of social fund payment. This paper aims to elaborate on the determinants of Islamic social funds to support Sustainable Development Goals (SDGs) program by looking at the intention of the society to donate through the e-payment platform. This study involves 212 users of digital social payments by distributing an online questionnaire. Data analysis was performed using a Structural Equation Model technique in AMOS. This study reveals that religiosity, trust, and perceived behavioral control have a positive and significant effect on the intention to donate through online platforms. Furthermore, when it comes to a specific categorized SDG program, the people sector is the highest priority, followed by Prosperity and Peace sectors.========================================================================================================ABSTRAK – Bagaimana Dana Sosial Islam mendukung Sustainable Development Goals dalam Masa Covid-19? Analisis Peran Religiositas, Kepercayaan, dan Persepsi Kontrol Perilaku. Dana sosial Islam berkembang pesat di negara berpenduduk Muslim terbesar ini terutama di saat pandemi. Selama awal tahun 2020, terjadi pertumbuhan tajam atas dana sosial Islam yang berhasil dikumpulkan yaitu sebanyak 70% dibandingkan dengan tahun lalu. Hal ini utamanya didorong oleh digitalisasi pembayaran dana sosial. Penelitian ini bertujuan untuk mengelaborasi determinan pembayaran dana sosial Islam dalam mendukung program SDGs dengan melihat niat masyarakat untuk berdonasi melalui platform pembayaran elektronik. Penelitian ini melibatkan 212 pengguna pembayaran sosial digital dengan menyebarkan kuesioner online. Analisis data dilakukan dengan teknik Structural Equation Model (SEM) di AMOS. Hasil penelitian ini menunjukkan bahwa religiusitas, kepercayaan, dan persepsi tentang control perilaku berpengaruh signifikan positif terhadap niat berdonasi melalui platform online. Terlebih, jika kita teliti terkait program SDG, sektor yang erat berkaitan langsung dengan ‘People’ menempati posisi teratas, diikuti oleh sektor ‘Prosperity’ dan ‘Peace’.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"42077048","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}
引用次数: 2
DO LIQUIDITY AND CAPITAL ADEQUACY RATIO MATTER FOR ISLAMIC BANKS PERFORMANCE IN INDONESIA? AN ANALYSIS USING FINANCING RISK AS MEDIATOR 流动性和资本充足率对印尼伊斯兰银行的表现有影响吗?以融资风险为中介的分析
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/SHARE.V10I1.8104
Julia Safitri, Arinal Rahmati, J. Jayadi, Muhamad Arief Affandi
{"title":"DO LIQUIDITY AND CAPITAL ADEQUACY RATIO MATTER FOR ISLAMIC BANKS PERFORMANCE IN INDONESIA? AN ANALYSIS USING FINANCING RISK AS MEDIATOR","authors":"Julia Safitri, Arinal Rahmati, J. Jayadi, Muhamad Arief Affandi","doi":"10.22373/SHARE.V10I1.8104","DOIUrl":"https://doi.org/10.22373/SHARE.V10I1.8104","url":null,"abstract":"This study is driven by the inconsistent findings of previous research on assessing the determinants of banks' performance. In addition, financing risk has been indicated as a significant variable in mediating the related research but failed to incorporate in previous research. Therefore, this study aims to assess the role of liquidity and Capital Adequacy Ratio (CAR) on Islamic bank's performance in Indonesia using financing risk as a mediator. Data were collected from 14 samples operating in Indonesia in the period 2013-2019. They were then analyzed using Partial Least Squares – Structural Equation Modelling (PLS-SEM) with Warp PLS 7.0 as a tool of analysis. The results show that variable liquidity (FDR) significantly influences Bank Performance mediated by Financing Risk (NPF). Meanwhile, variable CAR shows no significant influence on Bank Performance even when it was mediated by the Financing Risk variable (NPF). This finding implies that providing short-term financing is more profitable for an Islamic bank than a longer one. This finding is in line with the Commercial Loan Theory, which states that it is better to provide loans in the short term to minimize the possibility of defaults that will impact the bank's performance.==================================================================================================ABSTRAK – Apakah Likuiditas dan Rasio Kecukupan Modal mempengaruhi Kinerja Bank Syariah di Indonesia? Suatu Analisis menggunakan Risiko Pembiayaan sebagai Mediator. Penelitian ini didorong oleh tidak konsistennya temuan penelitian sebelumnya dalam menilai determinan kinerja bank. Selain itu, risiko pembiayaan telah terindikasi sebagai variabel yang signifikan dalam memediasi pengaruh beberapa variabel penilaian kinerja bank syariah, tetapi tidak diakomodir dalam penelitian-penelitian sebelumnya. Oleh karena itu, penelitian ini bertujuan untuk menilai peran variabel likuiditas dan CAR terhadap kinerja bank syariah di Indonesia dengan menggunakan risiko pembiayaan sebagai mediator. Data penelitian dikumpulkan dari 14 bank syariah yang beroperasi di Indonesia. Analisis data dilakukan dengan menggunakan PLS-SEM dengan WarpPLS 7.0. Hasil penelitian menunjukkan bahwa likuiditas berpengaruh terhadap kinerja bank bank syariah dengan dimediasi oleh risiko pembiayaan (NPF). Sedangkan variabel CAR tidak menunjukkan pengaruh yang signifikan terhadap kinerja bank syariah walaupun dimediasi oleh NPF. Penelitian mempunyai implikasi bahwa memberikan pembiayaan jangka pendek lebih menguntung bagi bank syariah dari pada pembiayaan jangka panjang. Hal ini sejalan dengan Commercial Loan Theory yang menyebutkan bahwa memberikan pinjaman dalam jangka pendek lebih menguntungkan karena dapat meminimalisir terjadinya wanprestasi yang berdampak pada peningkatan kinerja bank.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"49473378","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}
引用次数: 2
WOMEN WORKERS AND THEIR ECONOMIC ROLES DURING COVID-19 OUTBREAK FROM AN ISLAMIC PERSPECTIVE: A CASE OF BENTOR DRIVERS IN GORONTALO, INDONESIA 从伊斯兰教的角度看新冠肺炎爆发期间的女工及其经济角色——以印度尼西亚哥伦塔洛的奔驰车司机为例
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/SHARE.V10I1.7582
Luqmanul Hakiem Ajuna, Muhammad Amri
{"title":"WOMEN WORKERS AND THEIR ECONOMIC ROLES DURING COVID-19 OUTBREAK FROM AN ISLAMIC PERSPECTIVE: A CASE OF BENTOR DRIVERS IN GORONTALO, INDONESIA","authors":"Luqmanul Hakiem Ajuna, Muhammad Amri","doi":"10.22373/SHARE.V10I1.7582","DOIUrl":"https://doi.org/10.22373/SHARE.V10I1.7582","url":null,"abstract":"The objective of this research is to examine and reveal the impact of the adoption of Large-Scale Social Restrictions (Pembatasan Sosial Berskala Besar - PSBB) in Gorontalo province on the roles of women working as drivers of pedicab motorcycle (Becak Motor – Bentor) in addition to being a housewife. This study is qualitative research that gathered data through interviews with the drivers and related parties. Data were analyzed using a phenomenological approach with a thematic study of the Qur'an and Hadith. The results revealed that the family's economic needs became the main reason for women choosing to be Bentor drivers. The implementation of working hours and quantity controls, as well as the prevalence of staying at home, had decreased their income; however, their household duties were still performed, despite the worst economic conditions. Another fact is that the implementation of PSBB has succeeded in decreasing the introductory reproduction rate (R0) of the transmission of Covid-19. In addition, the Qur'an and Hadith allow women who want to work outside their houses but still follow religious instructions always to protect themselves and their dignity and not to ignore their household duties.==================================================================================================ABSTRAK – Pekerja Perempuan dan Peran Ekonomi Mereka pada Masa Covid-19 Ditinjau dari Perspektif Islam: Kajian pada Supir Bentor di Gorontalo, Indonesia. Penelitian ini bertujuan menganalisa dampak penerapan Pembatasan Sosisal Berskala Besar (PSBB) di Provinsi Gorontalo terhadap peran ganda perempuan berprofesi sebagai supir bentor selain sebagai ibu rumah tangga. Kajian ini merupakan penelitian kualitatif yang mengumpulkan data dari wawancara para supir bentor tersebut dan pihak-pihak terkait lainnya. Data dianalisis dengan pendekatan fenomenologi ditambah dengan kajian Tematik Alqur’an dan Hadis dalam menyusun bahasannya. Hasil penelitian menunjukkan bahwa alasan utama perempuan memilih berperan ganda adalah tuntutan ekonomi keluarga. Pemberlakuan aturan jam dan volume operasi serta adanya himbauan stay at home telah menurunkan pendapatan mereka, sementara tugas rumah tangganya berjalan normal meski kondisi ekonomi berada diposisi terburuk. Fakta lain adalah penerapan PSBB berhasil menurunkan tren angka reproduksi dasar (R0) penularan Covid-19. Sementara Alqur’an dan Hadis tidak melarang perempuan yang hendak bekerja di luar rumah namun dengan tetap mengikuti petunjuk agama untuk senantiasa menjaga diri dan kehormatan serta tidak menyia-nyiakan urusan rumah tangganya.","PeriodicalId":31746,"journal":{"name":"Share Jurnal Ekonomi dan Keuangan Islam","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2021-07-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47479178","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}
引用次数: 1
THE ALIGNMENT AND MISALIGNMENT OF THE ISLAMIC ECONOMICS CURRICULUM WITH THE INDONESIAN GOVERNMENT POLICY 伊斯兰经济学课程与印尼政府政策的契合与错位
Share Jurnal Ekonomi dan Keuangan Islam Pub Date : 2021-07-01 DOI: 10.22373/SHARE.V10I1.9394
S. Hidayat, Sudarmawan Samidi, Arbi Haza Nasution
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引用次数: 2
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