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Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods 伊斯兰银行稳健性评估:使用camel, RGEC和ALTMAN Z评分方法的分析
Malia Pub Date : 2023-07-31 DOI: 10.21043/malia.v7i1.16896
Husni Shabri, Muhamad Nadratuzzaman Hosen
{"title":"Assessment of Islamic Bank Soundness: Analysis Using CAMELS, RGEC and ALTMAN Z Score Methods","authors":"Husni Shabri, Muhamad Nadratuzzaman Hosen","doi":"10.21043/malia.v7i1.16896","DOIUrl":"https://doi.org/10.21043/malia.v7i1.16896","url":null,"abstract":"<em><em>The purpose of this study is to analyze the soundness level of PT BCA Syariah. This study is descriptive research with a quantitative approach.The paper used data on the annual financial statements of PT BCA Syariah for the period 2017 - 2021. The analysis using CAMELS, RGEC and Altman Z-Score methods. The results show that overall PT BCA Syariah in the 2017-2021 period was at the Health level in the CAMELS, RGEC and Altman Z-Score assessment methods. The highest health and health condition of PT BCA Syariah during the Covid-19 pandemic is a management effort in carrying out appropriate, focused and planned strategies and risk mitigation. The three analytical methods show the same results so that they can be used as a reference for assessing the health of other Islamic banks</em></em>","PeriodicalId":485212,"journal":{"name":"Malia","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-07-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"135315198","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
Macroeconomic Impact of Sharia Business Unit of Indonesian Islamic Banking On Liquidity Asymmetric Approach 印尼伊斯兰银行Sharia业务单元对流动性不对称方法的宏观经济影响
Malia Pub Date : 2023-06-30 DOI: 10.21043/malia.v7i1.20892
Muadz Abdul Hakim, Noer Azam Achsani, Imam Teguh Saptono
{"title":"Macroeconomic Impact of Sharia Business Unit of Indonesian Islamic Banking On Liquidity Asymmetric Approach","authors":"Muadz Abdul Hakim, Noer Azam Achsani, Imam Teguh Saptono","doi":"10.21043/malia.v7i1.20892","DOIUrl":"https://doi.org/10.21043/malia.v7i1.20892","url":null,"abstract":"<p><em>This study aims to determine the impact of macroeconomics on the liquidity of Indonesian Sharia Business Units (UUS). The liquidity in this study uses the Financing to Deposit Ratio (FDR). In contrast, the Macro Factors used are Inflation, Rupiah to Dollar Exchange Rate, BI Rate and Gross Domestic Product (GDP). The method used Nonlinear Autoregressive Distributed Lag (NARDL) method with data from January 2015 - June 2022. The results showed that in the long term, that affect UUS liquidity are Positive Rate, Negative Rate, Positive GDP, and Negative GDP, in the short term </em><em>Inflation, Exchange Rate, Rate, and GDP are both positive and negative. </em><em>Results show that UUS liquidity is vulnerable to changes in Indonesia's macroeconomic factors.</em></p>","PeriodicalId":485212,"journal":{"name":"Malia","volume":"137 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136365863","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
The Effect of FTV Policy and Economic Factors on Home Ownership Financing in Indonesian Sharia Banking 印尼伊斯兰银行FTV政策和经济因素对自有住房融资的影响
Malia Pub Date : 2023-06-30 DOI: 10.21043/malia.v7i1.20274
Waridatul Afalia, Esy Nur Aisyah
{"title":"The Effect of FTV Policy and Economic Factors on Home Ownership Financing in Indonesian Sharia Banking","authors":"Waridatul Afalia, Esy Nur Aisyah","doi":"10.21043/malia.v7i1.20274","DOIUrl":"https://doi.org/10.21043/malia.v7i1.20274","url":null,"abstract":"<em>Penelitian ini bertujuan untuk menganalisis pengaruh Kebijakan FTV, Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi terhadap pembiayaan pemilikan rumah di bank umum syariah Indonesia periode 2014-2021. Metode penelitian yang digunakan adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa variabel Kebijakan FTV, Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi pada pembiayaan kepemilikan rumah di bank umum syariah Indonesia tidak berpengaruh dalam jangka pendek. Sementara itu, dalam jangka panjang, variabel Kebijakan FTV, Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi secara signifikan mempengaruhi pembiayaan kepemilikan rumah di bank umum syariah Indonesia. Dan variabel Financing Deposit Ratio (FDR) berpengaruh negatif tidak signifikan terhadap pembiayaan pemilikan rumah di bank umum syariah Indonesia.</em>","PeriodicalId":485212,"journal":{"name":"Malia","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136365862","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
The Role of Islamic Service Quality on Intention to Use Indonesian Islamic Bank: Trust as an Intervening Variable 伊斯兰服务质量对印尼伊斯兰银行使用意愿的影响:信任作为中介变量
Malia Pub Date : 2023-06-30 DOI: 10.21043/malia.v7i1.20547
Moch Adika Saputra, Anita Rahmawaty
{"title":"The Role of Islamic Service Quality on Intention to Use Indonesian Islamic Bank: Trust as an Intervening Variable","authors":"Moch Adika Saputra, Anita Rahmawaty","doi":"10.21043/malia.v7i1.20547","DOIUrl":"https://doi.org/10.21043/malia.v7i1.20547","url":null,"abstract":"<p><em>This study aims to determine the effect of Islamic Service Quality on Intention to Use at Indonesian Islamic Bank with Trust as an Intervening Variable. Type of Field Research research with a sample of 235 respondents. The sampling method uses Non-Probability Sampling with Acidental Sampling technique. The data from this study were analyzed using the Structural Equation Modeling (SEM) method based on the Partial Least Square (PLS) Second Order model with an Embedded Two-Stage Approach. The results of this study show that: (1) Islamic Service Quality has a positive and significant effect on Intention to Use at Indonesian Islamic Bank. (2) Islamic Service Quality has a positive and significant effect on Trust at Indonesian Islamic Bank. (3) Trust has a positive and significant effect on Intention to Use at Indonesian Islamic Bank. (4) Trust can mediate Islamic Service Quality on Intention to Use at Indonesian Islamic Bank by having influence in Partial Mediation.</em><em></em></p><p><em>Keywords: <strong>Islamic Service Quality, Trust, Intention to Use</strong></em></p>","PeriodicalId":485212,"journal":{"name":"Malia","volume":"239 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136365773","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
Disclosure of Corporate Social Responsibility in Sharia Banks in Southeast Asian Countries Based on AAOIFI Standards 基于AAOIFI标准的东南亚伊斯兰银行企业社会责任披露
Malia Pub Date : 2023-06-30 DOI: 10.21043/malia.v7i1.15849
Annisa Permatasari, Noven Suprayogi
{"title":"Disclosure of Corporate Social Responsibility in Sharia Banks in Southeast Asian Countries Based on AAOIFI Standards","authors":"Annisa Permatasari, Noven Suprayogi","doi":"10.21043/malia.v7i1.15849","DOIUrl":"https://doi.org/10.21043/malia.v7i1.15849","url":null,"abstract":"<p><em>This study aims to determine the effect of profitability, bank size, and age of Islamic banks on the disclosure of Corporate Social Responsibility on Islamic banks in Southeast Asian countries based on AAOIFI standards partially and simultaneously. The population used in this study are Islamic banks in Southeast Asian countries, including Brunei Darussalam, Indonesia, Malaysia, Singapore, Thailand, Vietnam, Myanmar, and the Philippines. The sampling technique was purposive sampling to obtain 18 sample Islamic banks with a total of 126 data. This study uses a quantitative method with panel data regression analysis with Eviews 10. The results of this study partially show that the profitability and size of Islamic banks are not significant in the disclosure of Corporate Social Responsibility. In contrast, the age of the bank has a positive and significant effect on corporate social responsibility disclosure. Simultaneously, profitability, bank size, and bank age significantly positively affect Islamic banks' Corporate Social Responsibility disclosure in Southeast Asian countries for 2014-2020. The implication of the findings of this study confirm that social activities in Islamic banks are activities that must be carried out and disclosed by Islamic banks so that the bank's financial performance does not influence the implementation and disclosure of social activities in Islamic banks</em><em></em></p>","PeriodicalId":485212,"journal":{"name":"Malia","volume":"30 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-30","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136365864","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
Implementation Policy of ITF (Inflation Targeting Framework) Bank Indonesia on Inflation Rate In Indonesia 通货膨胀目标制框架印度尼西亚银行对印度尼西亚通货膨胀率的实施政策
Malia Pub Date : 2023-06-22 DOI: 10.21043/malia.v7i1.14280
Agung Slamet Sukardi
{"title":"Implementation Policy of ITF (Inflation Targeting Framework) Bank Indonesia on Inflation Rate In Indonesia","authors":"Agung Slamet Sukardi","doi":"10.21043/malia.v7i1.14280","DOIUrl":"https://doi.org/10.21043/malia.v7i1.14280","url":null,"abstract":"Inflation is the effect of a long economic crisis that hit a country. Inflation is a condition in which prices continue to rise. The purpose of this study was to determine the effect of the money supply, interest rates, and exchange rates on inflation in the period 2000-2018. The type of data in the discussion of quantitative data and sourced from secondary data 2000-2018. Data analysis used multiple linear regression and data collection techniques with samples that were in accordance with the purpose of the assessment and adapted to the characteristics of the study. The results of the F test show that there is a significant effect of the ITF policy using the money supply, exchange rate and interest rates on inflation suppression. The t test results show that the interest rate variable has an effect on inflation. In other words, the interest rate variable partially has a positive effect on inflation. For the government to be more careful and pay attention to the monetary policies taken in relation to the money supply, exchange rates and interest rates in influencing inflation.","PeriodicalId":485212,"journal":{"name":"Malia","volume":"20 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-06-22","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"136286840","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
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