ABSTRACT

Bismillahirrahmanirrahim,

Dear reader, here another research about Islamic Banking. 

Authors : Hidayati Sarah

Analysis of Comparison of Financial Performance Islamic Banking

Before and After Monetary Crisis

(Case Study on PT Bank Muamalat Indonesia, Tbk)

            Since the monetary policy was prevailed, it begins to have a banking crisis 1997-1998 in Indonesia that affect into monetary and real sector. The impact of monetary crisis toward banking, from 240 banks which present before monetary crisis, only 73 private banks still preserved.

This research is aim to know the financial performance which is represented by Financing to Deposit Ratio (FDR), Capital Adequacy Ratio (CAR), Return on Assets (ROA), and Non Performing Financing (NPF) in PT. Bank Muamalat Indonesia, Tbk before and after monetary crisis.

In this research, bank’s performance is measured from the liquidity, solvability, and rentability. In addition, it can be measured also from the management of the bank toward credit risk. By using descriptive quantitative method with statistical calculation using t-test. Significance level is 95%.

            The result of this research showing that one of the bank that hold out when crisis attacked is Muamalat Bank, the only one Islamic bank that recently established. The FDR, ROA, and NPF level after monetary crisis is higher than before, and the CAR level is lower than before monetary crisis.

Keyword: Financial Performance, Monetary Crisis, Islamic Bank

 

Assalamu alaikum,
Hem, apakah PP No 18 tahun 2009 bahwa
zakat dikecualikan dari objek pajak dapat menstimulus
penerimaan zakat khususnya untuk WP Pribadi yg pajaknya dipotong oleh pemberi kerja?
WP Pribadi yg berpenghasilan dari satu atau lebih pemberi
kerja, pajaknya telah dipotong oleh perusahaan. Saat melapor
(mengisi form 1770 S), kemudian mncantumkan pembayaran
zakat melalui LAZNAS berarti ada kelebihan bayar dong (permintaan restitusi).Tapi…
ternyata hal ini tidak bisa qt restitusi …karena dengan jelas tercantum pada Petunjuk Pengisian 1770S (point 17 halaman 23) bahwa Permohonan [maksudnya permohonan restitusi] tidak berlaku apabila kelebihan bayar berasal dari PPh yang ditanggung pemerintah dan zakat.”
Wew..jadi lembaga zakat tak bisa berharap agar penerimaan zakat dapat terdongkrak dari para muzzaki dan WP Pribadi ini yah..
Sepertinya stimulus terampuh adalah meningkatkan kesadaran untk membayar zakat.
Salam.

Assalamu alaikum,

Readers, here others reference for your research in Islamic Banking

Author : Erdina C, SE

Author’s email: er_utami@yahoo.com

Category: Islamic Finance 

“THE INFLUENCE OF LIQUIDITY AND NON PERFORMING FINANCING

TO PROFIT SHARING RATE OF THIRD PARTIES FUND

IN SHARIA BANKING”

As an intermediary institution, the main role of bank are saving and giving back the collected people’s funds. But sometimes, the function of bank doesn’t work properly. This situation was caused by a huge amount of non performing financing faced by bank, which weaken its liquidity and ability to make profit sharing. The purpose of this research is to know the influence between Liquidity and Non Performing Financing to Profit Sharing Rate of Third Parties Fund in Sharia Banking.

The research used Analysis Descriptive Method. The objects of this research were Bank Muamalat Indonesia (BMI), Bank Syariah Mandiri (BSM), and Bank Mega Syariah Indonesia (BSMI) for the first quarter of 2005 to the fourth quarter of 2007. Statistical method in this research used t test and F test in linier regression method with normality test and classic assumption test at the first time. This hypothesis test was at significance level for 5%.

The result of these hypothesis showed that, simultaneously there was a significance influence between Liquidity and Non Performing Financing to Profit Sharing Rate of Third Parties Fund in Sharia Banking. Partially there was a positive significance influence between Cash to Deposit Ratio to Profit Sharing Rate of Third Parties Fund in Sharia Banking, but Non Performing Financing didn’t have negative significance influence to Profit Sharing Rate of Third Parties Fund in Sharia Banking.

Keywords: Liquidity, Cash to Deposit Ratio, Non Performing Financing, Profit Sharing Rate of Third Parties Fund.

 

 Assalamu alaikum,

Bismillaahirrahmanirrahiim,

Dear reader, today I posted one of research in Jakarta Stock Exchange (currently Indonesia Stock Exchange). It could be one of your research reference in Islamic Finance. Thanks my sis (Auli) for your contribution.

 

 

Author: Auliffi E.C, SE,Ak,

Research Category : Finance,Islamic Finance:

Publication : Skripsi S1 FE Unpad (Thesis Undergraduate, Economics Faculty Majoring Accounting, Universitas Padjadjaran)

Year of Research : 2007

Author’s email: auli_feja@yahoo.com

 

The Influence of Leverage Ratio to Stock Return

(The Study of Member of  Jakarta Islamic Index  in Jakarta Stock Exchange)

 

ABSTRACT

 

The purpose of this research is to test the influence of  leverage ratio to stock return of member of Jakarta Islamic Index. The research method used was the descriptive  method. Purposive sampling method was used to choose firms as sample. Data processing by using statistical analysis of parametric that is simple  regression correlation.

The result of this research indicate that leverage ratio have the influence which significant to stock return of member of Jakarta Islamic Index negatively. This statement means that if the  increase its leverage ratio, the stock return will decrease. Thereby result of research show the restriction of leverage ratio in sharia screening system become one of factor influencing return of syariah stock give the better performance.

 

 

 

Keywords :  leverage ratio, stock return

Dear reader,

Here, I post an abstarct of research on murabahah financing (cost plus financing) in Syariah/Islamic Banking in Indonesia.Hopely it can be usefull for your research reference. Thanks my sis (Yuliana) for your contribution

Topic Research : Islamic Finance 

Author : Yuliana, SE

Year of research : 2007

Publication : Thesis Undergraduate, Economic Faculty, Majoring Accounting, Universitas Padjadjaran

Author’s Email: yuliana.yuliana@gmail.com

 

ABSTRACT

 THE INFLUENCE OF MURABAHAH FINANCING RISK AND CREDIT INTEREST RATE TO MARGIN RATE OF MURABAHAH FINANCING

After the economic crisis in Indonesia, shariah banks have growth significantly in numbers as well as their asset, their third party fund, and so their financing. This condition of course, affects shariah banks liquidity and third party fund management. Shariah banks must perform the expansion of financing to maintain FDR and profitability so that the customer’s profit sharing and margin rate will not fluctuate. The purpose of this research is to examine the influence of murabahah financing risk and credit interest rate to margin rate of financing murabahah simultaneously and partially. This research use descriptive method with associative approach. Population of this research are Full Pledge Islamic Bank and Conventional Bank which have been running window system of Islamic System Bank in Indonesia for the year 2005 – 2006. Statistical method is used at 5% significance level which at first, data are transformed with classic regression assumption. Regression multiple was used in hypothetical test. The results of these hypothesis shows that first, hypothesis that states there is an influence of murabahah financing risk and credit interest rate to margin rate of murabahah financing simultaneously is accepted. It means that murabahah financing risk and credit interest rate have significant influence to margin rate of murabahah financing simultaneously. Secondly, hypothesis that states there is an influence of murabahah financing risk to margin rate of murabahah financing is accepted. It means that murabahah financing risk has significant influence to margin rate of financing murabahah partially. Thirdly, hypothesis that states there is an influence of credit interest rate to margin rate of financing murabahah is accepted. It means that credit interest rate has significant influence to margin rate of financing murabahah partially.

Keywords : Non Performing Financing Murabahah, Murabahah Financing Risk, Credit Interest Rate, Margin Rate of Financing Murabahah, Shariah Bank

Bismillaahirrahmaanirrahiim,

Posting yang berikut ini merupakan cuplikan 2 paragraf pertama dari Esai saya yang ditulis di tahun October 2005, tapi tidak dipublish.Esai ini dibuat all in English dan tidak ada abstract-nya. Jadi ditampilkan hanya paragraf awalnya. Untuk tulisan lengkapnya jika dimuat disini akan kepanjangan.

SPECULATIVE

( MONEY, ECONOMIC MAN, AND MACROECONOMY )

 

Written by :

Ine Dwiyanti (ine_ak25@yahoo.com)

Student In Padjadjaran University, Economics Faculty

 

Have you ever thought why most of people buy and sell foreign currency in the volatile condition? Why most of people save/deposit their money when interest rate increase, but in the same situation proposal of credit/financing by entrepreneur is decrease? Why government worry when value of our money decrease (especially exchange rate to USD)? And the other question about people behavior on money.

In the conventional economics thought (Keynes, “The General Theory of employment, Interest and Money”) motives of some one to hold money are to transaction, precautionary and speculative. Let us focus to the speculation motive. Why these speculation motives appear? Attending of interest become important aspect on this speculation motive, in thought of conventional economics, money demand for speculation is a function of interest, Keynes express explicitly about interest rate and the expectation of future price in concerning of money demand.

ABSTRAKSI

Bismillaahirrahmaanirrahiim,

Nah kalau karya tulis yang ini ditulis untuk mengikuti LKTEI II FoSSEI, dikarenakan miss persepsi dengan panitia, karya tulis ini dinyatakan gagal administrasi (hiks2). Saya muat Abstract dalam bahasa Indonesia dan Inggris. Semoga bermanfaat

 

 

Analisa Equity Based Financing Pada Lembaga Keuangan Syariah Dalam Kaitannya Dengan Pengembangan Usaha Mikro, Kecil, Dan Menengah

 

 

 

Pengembangan usaha mikro, kecil, dan menengah diperlukan sebuah upaya yang komprehensif, dan salah satunya upayanya adalah dukungan permodalan Dukungan permodalan melalui Islamic Micro finance diharapkan mampu mengatasi berbagai permasalan yang muncul dari pembiayaan  konvensional. Dalam berbagai literatur dinyatakan bahwa equity based financing lebih unggul dibandingkan dengan debt based financing.

Makalah ini akan membahas keunggulan debt based financing , kendala yang dihadapi dalam implemntasi equity based financing, serta solusi untuk mengoptimalkan equity based financing dalam kaitannya dengan pengembangan usaha mikro, kecil, dan menengah.

 

Kata kunci : Islamic Micro finance, usaha mikro, kecil, dan menengah, equity based financing

 

ABSTRACT

 

Analysis of Equity Based Financing on Islamic Financial Institution in Relation of Micro, Small, and Medium Entreprise Development

 

A development of micro, small, and medium entreprise needs a comprhensive effort, and which one is financial assistance. Financial assistance with Islamic micro finance expected can solving many problem which arise from conventional finance.

This paper explain the superiority of equity based financing, the constraint of equity based finance implementation, and solutions to achieve an optimality of equity based financing in relation to develop of micro, small, and medium entreprise.

 

Keywords : Islamic Micro finance, micro, small, and medium entreprise , equity based financing

Bismillaahirrahmaanirrahiim,

Berikut adalah abstrak karya tulis Ine yang untuk pertama kalinya publish. Abstrak karya tulis dibawah merupakan original karya tulis yang masuk menjadi Finalis LKTEI pertama (Lomba Karya Tulis Ekonomis Islam) yang diadakn FoSSEI (Forum Silaturahmi Studi Ekonomi Islam). Karya tulis ini mengalami revisi/ perbaikan untuk tujuan pemuatan di jurnal ISEG Unpad(Islamic Studies of Economics Group) yaitu ISEG Review Volume II. Dikarenakan file setelah revisi tersebut masih tersimpan dalam komputer yang sedang rusak, hari ini yang dimuat di blog ini abstrak dari karya tulis untuk LKTEI. Karya tulis lengakpnya sengaja tidak dimuat disini. Semoga bermanfaat.

 

PERANAN ISLAMIC MICRO-FINANCE TERHADAP KEMAJUAN PEREKONOMIAN SEKTOR RIIL

Oleh Ine Dwiyanti

Staff of Research and Development Division, ISEG Unpad

Abstrak

Finance dalam konsep Islam tidak hanya maksimalisasi profit, tetapi juga sosial benefits/ kemaslahatan umum. Islam sebagai rahmatan lil alamin diyakini oleh pemeluknya akan membawa kehidupan yang lebih baik termasuk kehidupan ekonomi.

Karya tulis ini akan membahas bagaimana Islam mengatur pengambilan keputusan dalam kegiatan finance pada level mikro, yaitu mengenai pengambilan keputusan investasi dan pendanaan, bagaimana penerapan Islamic-micro finance ini turut andil dalam dalam memajukan perekonomian sektor riil, serta  fenomena praktek islamic-micro finance saat ini yang menjadi suatu tantangan agar Islamic-micro finance dapat berjalan lebih efisien.

Bismillahirrahmanirrahim,
Semoga ada adik2 ISEG yang membaca blog ini..
Membaca pengumuman Finalis LKTEI 2009,
kok tidak ada nama dari ISEG Unpad…Waduh kemana
nih adik2 ISEG…biasanya tiap tahun qt
minimal jadi finalis…Hayo bangkitkan semangat menulis..
Coba hubungi mbah2 tulis-menulis misale Kang Ganjar
and Kang Chandra..Minta wejangan beliau2 ..

Assalamu alaikum,
Hi my bro and sis, buat semuanya yang perlu panduan
atau guidance pajak practice bisa download dari KAP tetangga
http://www.pwc.com/extweb/pwcpublications.nsf/docid/BE6C0B6EFF70A16BCA25703F000BEBF7
Pocket tax book ini cukup lengkap and update…KAP kita belom ada terbitan pocket tax book…
jadi bisa pake punya tetangga..