Ihtifaz最新文献 - Book学术

Identifying the Core Driver for the Islamic Banking Capital Adequacy Regulation 确定伊斯兰银行资本充足监管的核心驱动因素

Ihtifaz Pub Date : 2022-04-26 DOI: 10.12928/ijiefb.v4i2.4531

H. Penikas, V. Stefanenko

{"title":"Identifying the Core Driver for the Islamic Banking Capital Adequacy Regulation","authors":"H. Penikas, V. Stefanenko","doi":"10.12928/ijiefb.v4i2.4531","DOIUrl":"https://doi.org/10.12928/ijiefb.v4i2.4531","url":null,"abstract":"Introduction: COVID-19 pandemic raised the stability challenges for the modern banking systems. As a remedy, the regulators and investors turned their eyes to the Islamic Banking. Many people view it as a full substitute to the dominant conventional banking establishments. We hypothesized that the benefits of the Islamic Banking can be fully enjoyed if and only if it is accompanied with the robust regulatory framework. Such a framework could offer room for the national discretion to define ‘alpha’ parameter within the capital adequacy ratio. The novelty of our paper is the largest collected to date set of alpha value embedded in the Islamic Banking jurisdictions.\u0000Purpose: This research paper aims to able to identify the core driver to locally determine the value of alpha. The credit-to-GDP ratio was shown to be such a driver. We demonstrated that the earlier academic research had offered the Vasicek-based theoretical models for the Islamic Banking that had implied right the opposite values of alpha.\u0000Methodology: We have eight independent determinants with presenting the alpha values for 11 countries registered in 2007 and in 2016.Those are the four macroeconomic variables. we have collected the input data for the regression model.\u0000Findings: The credit-to-GDP ratio was shown to be such a driver. We demonstrated that the earlier academic research had offered the Vasicek-based theoretical models for the Islamic Banking that had implied right the opposite values of alpha. Thus, the usage of the determinant revealed by us could be of help to the central bankers when shaping the framework for Islamic Banking capital adequacy.\u0000Paper Type: Research Article","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2022-04-26","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"46938640","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

Bank Customer Loyalty at Post-Implementation of Automatic Exchange of Information (AEOI) in Indonesia 印尼实施自动信息交换(AEOI)后的银行客户忠诚度

Ihtifaz Pub Date : 2022-04-26 DOI: 10.12928/ijiefb.v4i2.5768

S. Sukirno, Nabella Putri Hari Pratiwi, Abolfazl Amanollanejad

引用次数: 0

Islamic Capital Market Reaction on Presidential Election 2019 (Case Study of the Jakarta Islamic Index) 伊斯兰资本市场对2019年总统选举的反应(以雅加达伊斯兰指数为例)

Ihtifaz Pub Date : 2020-12-31 DOI: 10.12928/IJIEFB.V3I2.2638

Syintia Dwi Utami, Abdul Qoyum

引用次数: 0

Debt-Based Versus Equity-Based Financing: A Comparative Analysis on Efficiency of Islamic Financial System 债务融资与股权融资：伊斯兰金融体系效率的比较分析

Ihtifaz Pub Date : 2020-12-31 DOI: 10.12928/IJIEFB.V4I1.3171

Abdullateef Abdulqadir Maikabara, Sri Maulida, A. Aderemi

{"title":"Debt-Based Versus Equity-Based Financing: A Comparative Analysis on Efficiency of Islamic Financial System","authors":"Abdullateef Abdulqadir Maikabara, Sri Maulida, A. Aderemi","doi":"10.12928/IJIEFB.V4I1.3171","DOIUrl":"https://doi.org/10.12928/IJIEFB.V4I1.3171","url":null,"abstract":"Introduction to The Problem: The financial system, as a subset of economics, plays a prominent role in solidifying the socio-economic development and wellbeing of people of a society. However, debt-based and equity-based financing are the main models employed by Islamic financial institutions to help small and medium enterprises (SMEs) that need funding to facilitate their businesses' projects. Operationally, debt-based financing seems to be the prominent financing model than equity-based financing, which only accounts for either zero or small scale in Islamic financial institutions.Objective Study: This study explores the rightful financing model that can contribute much better to the efficiency of the Islamic financial system in achieving socio-economic development.Methodology: To achieve the study's purpose, a literature-based method and secondary data collection technique are adopted as related previous studies from articles, books, conferences, and working papers are reviewed and analyzed.Findings: Equity-based model as a partnership model is somewhat more productive in contributing to socio-economic development than debt-based financing, but not being widely applied due to specific issues such as high risk, agency problem, costumer’s awareness, and sensitivity, and others more. It is recommended that researchers empirically investigate the suitable financing model between debt-based and equity-based financing models to ensure the achievement of sustainable socio-economic development.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45185502","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

The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy 向千禧一代投资Sharia股票的意图：Sharia金融素养的作用

Ihtifaz Pub Date : 2020-12-31 DOI: 10.12928/IJIEFB.V3I2.3170

Multazam Mansyur Addury, A. Nugroho, Salehuddin Khalid

{"title":"The Intention of Investing Sharia Stocks on Millennials: The Role of Sharia Financial Literacy","authors":"Multazam Mansyur Addury, A. Nugroho, Salehuddin Khalid","doi":"10.12928/IJIEFB.V3I2.3170","DOIUrl":"https://doi.org/10.12928/IJIEFB.V3I2.3170","url":null,"abstract":"Introduction to The Problem: Millennials are a generation that has a very rapid growth. More than 30 percent of Indonesia's population is millennials, but many of the Millennials have not been intentioned in investing in sharia stocks.Purpose/Objective Study: The purpose of this research is to examine the impact of sharia financial literacy on Millennials on the intention of investing in sharia stocks, or it has other factors.Design/Methodology/Approach: This research used Sharia financial literacy and the Theory of Planned Behavior. This research used five variables namely Sharia financial literacy, attitudes, subjective norms, behavioral controls, and intentions. This study used purposive sampling method, from muslim millennials in Yogyakarta. Total respondents to this study are 112 with 20-40 years old or a millennials generation and already have income. Multiple linear regression analysis techniques used as primary analytical techniques.Findings: The results proved that Sharia financial literacy and subjective norms did not affect the intention of investing in sharia stocks. Other variables, such as behavioral attitudes and controls, proved to have a significant influence on the intention of investing in sharia stocks.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2020-12-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"48723598","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

Persepsi, Sikap dan Minat Pariwisata Halal di Daerah Istimewa Yogyakarta 日惹专区死亡Pariwisata的感知、行为和铸币

Ihtifaz Pub Date : 2019-08-06 DOI: 10.12928/IJIEFB.V2I2.857

Firdausa Kumala Sari, Novita Safitri, W. Anggraini

引用次数: 16

Development Of Waqf Based Microfinance And Its Impact In Alleviating The Poverty 基于Waqf的小额信贷的发展及其对减贫的影响

Ihtifaz Pub Date : 2019-08-06 DOI: 10.12928/IJIEFB.V2I2.879

Aulia Arifatu Diniyya

{"title":"Development Of Waqf Based Microfinance And Its Impact In Alleviating The Poverty","authors":"Aulia Arifatu Diniyya","doi":"10.12928/IJIEFB.V2I2.879","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I2.879","url":null,"abstract":"The purpose of this paper is to discuss the potential role of the institution of Waqf in poverty alleviation. Poverty is a complex, multi-dimensional phenomenon that has captured the attention of numerous scholars and agencies globally. The social role of the Islamic financial sector can be best exemplified by providing finance to the poor to increase their income and wealth. This paper will explore on how microfinance can be provided on Shariah compliant basis through Waqf model. This research also reviewing the development of the integrated Waqf based Islamic microfinance which aimed to provide solutions to reduce poverty. An integration of Waqf-based Islamic microfinance (IWIM) model is proposed to address all the practical challenges of microfinance faced in Muslim communities. In this model, microfinance is practised in compliance with Shari’ah to address the multi-dimensional aspects of poverty and empowering the poor in order to enhance the socio-economic development and hence the well- being of the Ummah. With this aspiration, the IWIM model aims to tackle the challenges related to the scarcity of capital, inadequate human resources, absence of proper Takaful programs and project financing in an integrated approach. However, Waqf based microfinance still may be facing some problems should be addressed which related to credit risk, moral hazard, and economic viability.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-08-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"47845834","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: 14

Peran Identitas Agama Terhadap Niat Menggunakan Kosmetik Halal : Perluasan Theory of Planned Behavior 宗教认同对合法化妆品意图的作用:计划行为理论的延伸

Ihtifaz Pub Date : 2019-08-06 DOI: 10.12928/IJIEFB.V2I2.921

Anton Priyo Nugroho, Dzulfikar Izzat, Wuri Suhasti

引用次数: 4

Cointegration of Stock Market and Exchange Rate in Indonesia 印尼股票市场与汇率的协整

Ihtifaz Pub Date : 2019-08-06 DOI: 10.12928/IJIEFB.V2I2.886

Pribawa E. Pantas, M. N. H. Ryandono, M. Munir, Rofiul Wahyudi

引用次数: 6

Analisis Konsep Highest and Best Use Untuk Tanah Wakaf Menurut Perspektif Islam 伊斯兰视野下的时间土地最高最佳利用观探析

Ihtifaz Pub Date : 2019-08-06 DOI: 10.12928/IJIEFB.V2I2.856

Adelita Fitriani Baiq Rizki Pratama

{"title":"Analisis Konsep Highest and Best Use Untuk Tanah Wakaf Menurut Perspektif Islam","authors":"Adelita Fitriani Baiq Rizki Pratama","doi":"10.12928/IJIEFB.V2I2.856","DOIUrl":"https://doi.org/10.12928/IJIEFB.V2I2.856","url":null,"abstract":"Penelitian ini bertujuan untuk membuat konsep penilaian pemanfaatan terbaik (Highest and Best Use) dalam perspektif Islam yang digunakan pada tanah wakaf. Penelitian ini menggunakan studi literature dan pendekatan konseptual serta analisis kritis untuk membuat metode baru yang dapat digunakan dalam menganalisa pemanfaatan terbaik dari tanah wakaf. Hasil penelitian menemukan bahwa metode HBU tidak dapat diaplikasikan untuk menilai tanah wakaf dikarenakan terdapat beberapa elemen di dalamnya yang tidak sesuai dengan prinsip syariat Islam. Adapun perbedaan diantara kedua bentuk metode ini, yaitu pada aspek fisik dan lokasi, peneliti menambahkan pedoman alternatif penggunaan tanah wakaf berdasarkan lokasinya. pada aspek legalitas, peneliti mengganti indikator penilaian status hak atas tanah didasarkan pada keberadaan akta ikrar wakaf dan sertifikat tanah wakaf, pada indikator zoning, peneliti menambahkan 5 sub indikator yang perlu dipertimbangkan, yaitu peruntukan tanah wakaf, bentuk muamalah yang dilakukan dalam memanfaatkan tanah wakaf, kebutuhan masyarakat, manfaat yang dapat diberikan dan ibdal/istibdal. Pada aspek keuangan, perbedaan terletak pada indikator pengeluaran (pertimbangan pengeluran untuk dana ZIS) dan uji kelayakan investasi menggunakan gold value method dan gold index method. Adapun pada aspek penentuan penggunaan terbaik di dasarkan pada aspek maslahan dan perhitungan nilai properti didasarkan pada prosentase kenaikan harga emas.","PeriodicalId":52903,"journal":{"name":"Ihtifaz","volume":" ","pages":""},"PeriodicalIF":0.0,"publicationDate":"2019-08-06","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"45066046","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: 4