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Problems and solutions in zakat digitalization: Evidence from South Kalimantan, Indonesia 天课数字化的问题与解决方案:来自印度尼西亚南加里曼丹的证据
Pub Date : 2022-02-01 DOI: 10.20885/jeki.vol8.iss1.art7
Sri Maulida, Fahmi Al Amruzi, Budi Rahmat Hakim, I. Beik
Purpose – This study aims (i) to analyze the readiness of zakat management institutions in zakat digitalization and (ii) to analyze the problems and solutions in managing zakat funds through digital platforms.Methodology – The study used two methods, called the interview and the Delphi-ANP methods. The data used in this study were the results of interviews with zakat managers (OPZ) in South Kalimantan (BAZNAS and LAZNAS). Besides practitioners, it also involved experts from various universities in South Kalimantan.Findings – The results showed that most zakat institutions in South Kalimantan, Most zakat institutions have a good understanding and readiness to shift to digital platforms. Based on the analysis of problems and solutions in using digital platforms in zakat management, the study found alternative priority problems and solutions for zakat institutions. The problems and solutions covered human resources, IT, institution management and socialization and communication, muzakki, society, government and digitization. In particular, the main cluster of priority problems was management, and the main cluster of priority solutions included human resources.Originality – The researchers reviewed several studies that explained problems and theories of zakat management through digital platforms. However, there is still seemingly no study reviewing problems to manage zakat funds through digital platforms provided by zakat institutions.Practical implications – This research shows that OPZ needs to recruit IT and Digital Marketing people. In addition, it suggests OPZ designs and creates crowdfunding, e-wallet, e-commerce, website, and social media. Following that, OPZ should do digital planning for zakat collection and training conducted by BAZNAS Province and Center to OPZ periodically. They also need to establish a partnership with scholars (Ulama) and the government agencies to increase the payment zakat digitally.
目的:本研究旨在(i)分析天课管理机构在天课数字化方面的准备情况;(ii)分析通过数字化平台管理天课资金的问题和解决方案。研究方法:该研究使用了两种方法,分别是访谈法和Delphi-ANP法。本研究中使用的数据是对南加里曼丹(BAZNAS和LAZNAS)天课管理人员(OPZ)的访谈结果。除了从业者之外,南加里曼丹各大学的专家也参与其中。调查结果-结果显示,南加里曼丹的大多数天课机构,大多数天课机构都很了解并准备好转向数字平台。通过分析在天课管理中使用数字平台的问题和解决方案,本研究发现了天课机构可选择的优先问题和解决方案。问题和解决方案涉及人力资源、IT、机构管理、社会化和传播、muzakki、社会、政府和数字化。特别是,主要的一类优先问题是管理,而主要的一类优先解决办法包括人力资源。独创性——研究人员回顾了几项研究,这些研究解释了通过数字平台管理天课的问题和理论。然而,目前似乎还没有研究审查通过天课机构提供的数字平台管理天课资金的问题。实际意义-这项研究表明,OPZ需要招聘IT和数字营销人员。此外,它还建议OPZ设计和创建众筹、电子钱包、电子商务、网站和社交媒体。之后,OPZ应定期对BAZNAS省和中心对OPZ进行的天课收集和培训进行数字化规划。他们还需要与学者(伊斯兰教领袖)和政府机构建立伙伴关系,以数字化方式增加支付天课。
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引用次数: 2
Designing of digital-based Islamic social finance model through role of mosque 基于清真寺作用的数字化伊斯兰社会金融模式设计
Pub Date : 2022-02-01 DOI: 10.20885/jeki.vol8.iss1.art6
Aminah Nuriyah, Ulumuddin Nurul Fakhri
Purpose – This study aims to optimize the role of mosques in increasing economic welfare and reducing widespread public usury loans. Moreover, this study also aims to determine the right model for Islamic financial activities.Methodology – This is a qualitative study and the Analytic Network Process (ANP) BOCR model was utilized to obtain the ideal model according to literature reviews and expert opinion. This study conducted in-depth interviews with 5 experts (Ulama, Regulators (Financial Services Authority), Fintech Practitioners, fintech academics, and the Indonesian Mosque Council).Findings – Three alternative models were chosen by the experts, namely the Crowdfunding Model (0.47), Peer-to-Peer landing (0.37), and Bank Infaq (0.17). In addition, the experts suggested for attention to be made to the cost factor (0.47) so as not to burden the mosque. Moreover, according to the experts, the benefits (0.28) that will be obtained will be greater for the welfare of the mosque and residents around the mosque if fintech crowdfunding is implemented.Originality – Research on the role of mosques in improving people's welfare by utilizing fintech is very rarely done. The results of this study are expected to increase the role of the community in collecting funds and controlling the distribution of tabarru' funds.Research limitations – This type of research is exploratory, and empirical research is needed for in-depth results.Practical implications – If this research is implemented, it will accelerate the recovery of economic conditions during a crisis.Social implications – The successful implementation of the Islamic Social Finance (ISF) model by utilizing the role of the mosque will improve the welfare of the community evenly.
目的-本研究旨在优化清真寺在增加经济福利和减少广泛的公共高利贷方面的作用。此外,本研究还旨在确定伊斯兰金融活动的正确模式。方法:这是一项定性研究,根据文献综述和专家意见,使用分析网络过程(ANP) BOCR模型来获得理想模型。本研究对5位专家(Ulama、监管机构(金融服务管理局)、金融科技从业者、金融科技学者和印度尼西亚清真寺委员会)进行了深入访谈。专家们选择了三种可供选择的模型,即众筹模型(0.47)、点对点着陆模型(0.37)和银行融资模型(0.17)。此外,专家建议注意成本因素(0.47),以免给清真寺带来负担。此外,据专家介绍,如果实施金融科技众筹,将获得的收益(0.28)对清真寺和清真寺周围居民的福利更大。独创性——很少有人研究清真寺在利用金融科技改善人民福利方面的作用。预计这项研究的结果将增加社区在筹集资金和控制tabarru资金分配方面的作用。研究局限性-这种类型的研究是探索性的,需要实证研究来获得深入的结果。▽实际意义=如果实施该研究,将会加速危机时期的经济恢复。社会影响-通过利用清真寺的作用,成功实施伊斯兰社会金融(ISF)模式将平均提高社区的福利。
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引用次数: 4
Stability of insurance efficiency during the Covid-19 pandemic: A comparative study between Islamic and conventional insurance in Indonesia 新冠肺炎大流行期间保险效率的稳定性:印度尼西亚伊斯兰保险与传统保险的比较研究
Pub Date : 2022-02-01 DOI: 10.20885/jeki.vol8.iss1.art5
Ihsanul Ikhwan, A. Rusydiana
Purpose – The purpose of this study is to measure and compare The Stability of the efficiency of insurance companies, particularly during the COVID-19 pandemic, at 70 insurance institutions (both sharia and conventional) in Indonesia over Five years, from 2016 to 2020.Methodology – Non-parametric approach, Data Envelopment Analysis (DEA), then extended by Window DEA analysis was employed as the research method.Findings – This study found that COVID-19 has little effect on Insurance efficiency. COVID-19 has a detrimental impact on the efficiency of conventional insurance but does not affect Sharia insurance. This study also found that most Indonesian Insurances are considered the worst performers in terms of efficiency and efficiency stability during the study period. Most of the insurances are included in quadrant IV (low efficiency and high stability). Furthermore, according to the window DEA analysis, the most relatively stable value of Indonesian Insurances is Sinarmas Conventional InsuranceOriginality – The study that focuses on measuring the efficiency of sharia insurances compared to the efficiency of conventional insurances in Indonesia during the COVID-19 outbreak has never been conducted. This study was the first to measure and compare the efficiency of Indonesian Insurances using the Window DEA analysis.
目的-本研究的目的是衡量和比较2016年至2020年五年间印度尼西亚70家保险机构(包括伊斯兰教和传统保险机构)保险公司效率的稳定性,特别是在COVID-19大流行期间。研究方法:采用非参数分析、数据包络分析(Data Envelopment Analysis, DEA)及扩展后的Window DEA分析方法。研究结果-本研究发现,COVID-19对保险效率的影响很小。COVID-19对传统保险的效率产生不利影响,但不影响伊斯兰教保险。本研究还发现,在研究期间,大多数印度尼西亚保险公司被认为在效率和效率稳定性方面表现最差。大多数保险都包含在第四象限(低效率和高稳定性)。此外,根据窗口DEA分析,印度尼西亚保险的相对稳定价值是Sinarmas传统保险的独创性——在2019冠状病毒病爆发期间,从未进行过专注于衡量伊斯兰教保险效率与印度尼西亚传统保险效率的研究。本研究首次使用Window DEA分析来衡量和比较印尼保险业的效率。
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引用次数: 2
Solutions to money laundering prevention through Regulatory Technology (RegTech): Evidence from Islamic and conventional banks 通过监管技术(RegTech)预防洗钱的解决方案:来自伊斯兰和传统银行的证据
Pub Date : 2022-02-01 DOI: 10.20885/jeki.vol8.iss1.art2
Alivia Meyrizka Utami, Mega Dwi Septivani
Purpose – This study aims to examine the effect of the relationship between RegTech and Money Laundering Prevention (MLP). This study also examines the differences between RegTech in Islamic and conventional banks.Methodology – The current study used explanatory research to test hypotheses using primary data obtained through a survey with a questionnaire conducted online with 100 respondents from bank employees, both conventional and Islamic in Indonesia. In addition, an independent t-test was used.Findings – The results reveal that Transaction Monitoring (TM) and Cost and Time (CT) significantly affect MLP, while electronic Know Your Customer (eKYC) does not affect MLP. The comparative test of the differences in RegTech in Islamic and conventional banks confirm differences in transaction monitoring and cost efficiency between Islamic and conventional banks. At the same time, there is no difference in eKYC between Islamic and conventional banks.Originality – Research related to RegTech in Islamic and conventional banks' money laundering prevention efforts is still very limited in Indonesia. This study will contribute to the existing literature on Islamic finance and the development of financial technology in Indonesia.
目的-本研究旨在检验监管科技与反洗钱(MLP)之间关系的影响。本研究还考察了伊斯兰银行和传统银行RegTech之间的差异。方法-目前的研究使用解释性研究来检验假设,使用的是通过在线问卷调查获得的原始数据,调查对象是印度尼西亚的100名银行员工,包括传统和伊斯兰教员工。此外,采用独立t检验。调查结果-结果显示,交易监控(TM)和成本和时间(CT)显著影响MLP,而电子了解客户(eKYC)不影响MLP。对伊斯兰银行和传统银行RegTech差异的比较测试证实了伊斯兰银行和传统银行在交易监控和成本效率方面的差异。与此同时,伊斯兰银行和传统银行之间的eKYC没有区别。原创性-在印度尼西亚,与伊斯兰和传统银行预防洗钱工作中的RegTech相关的研究仍然非常有限。本研究将有助于现有的伊斯兰金融文献和印尼金融技术的发展。
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引用次数: 2
The benefit segmentation sharia tourism in Indonesia 印尼伊斯兰教旅游的利益分割
Pub Date : 2022-02-01 DOI: 10.20885/jeki.vol8.iss1.art8
S. Sumadi, Octavia Gandra Sari
Purpose – This study aims to determine the priorities and benefits sought by Muslim consumers for sharia tourism in Indonesia. The study population was the potential tourist consumer, and convenience sampling methods carried out the sampling.Methodology – The data were collected by field surveys with a sample of 300 respondents. Dendrogram cluster approach and chi-square test analysis were used to analyze the benefit segmentation.Findings – The study results explain the attributes of the tourism category to form clusters based on the reasons for the proximity of the benefits sought by consumers. Muslim tourists have a top priority for natural tourism, with the following priorities were cultural tourism, culinary tourism, and religion by sharia facilities. In terms of gender, there is no difference in the choice of the four categories of sharia tourism. Meanwhile, in terms of age and income, there is a significant difference in the choice of four categories of sharia tourism in Indonesia, with the most considerable portion choosing culinary tourism. The findings of this study imply that cluster analysis is suitable for explaining benefit segmentation. Information on the benefit of experience tourists seek an input for sharia tourism destination providers for the target market for Muslim tourists.Practical Implication – Practically the findings of this research can be used as information to develop tourism marketing strategies by the government and tourism actors with Muslim segments and target markets, both nationally and internationally. Therefore, they can formulate a marketing strategy based on demographic consideration.
目的-本研究旨在确定印度尼西亚穆斯林消费者对伊斯兰教旅游的优先事项和利益。研究人群为潜在旅游消费者,采用方便抽样方法进行抽样。方法:数据是通过实地调查收集的,共有300名受访者。采用树状图聚类法和卡方检验分析进行效益分割。研究结果-研究结果解释了旅游类别的属性,形成基于消费者所寻求的利益接近的原因集群。穆斯林游客最喜欢自然旅游,其次是文化旅游、美食旅游和伊斯兰教设施的宗教旅游。就性别而言,四类伊斯兰教旅游的选择没有差异。同时,在年龄和收入方面,印度尼西亚四类伊斯兰教旅游的选择存在显著差异,其中选择烹饪旅游的比例最为可观。本研究的结果表明,聚类分析适用于解释利益分割。关于体验游客利益的信息寻求输入,为伊斯兰教旅游目的地供应商为目标市场的穆斯林游客。实际意义-实际上,这项研究的结果可以作为信息,用于制定旅游营销战略的政府和旅游行为者与穆斯林部分和目标市场,在国内和国际。因此,他们可以根据人口统计因素制定营销策略。
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引用次数: 1
Islamic Finance and Indonesia's Economy: An Empirical Analysis 伊斯兰金融与印尼经济:一个实证分析
Pub Date : 2022-02-01 DOI: 10.20885/jeki.vol8.iss1.art4
Ghina Sakinah, R. A. Kasri, N. Nurkholis
Purpose – Islamic finance is becoming increasingly important both globally and in Indonesia. However, studies on the relationship between Islamic finance and Indonesia’s economy are scant. Therefore, this study aims to analyse the short-term and long-term relationship between Islamic finance and Indonesia’s economy.   Methodology – This study uses monthly data for the period 2011–2020 which are estimated using the Vector Error Correction Model (VECM). The dependent variable is Indonesia’s Growth Domestic Product (GDP), while the independent variables are macroeconomic variables (gross fixed capital formation, trade openness and inflation), Islamic finance (Islamic banking, capital market and Sukuk) and a Covid-19 dummy variable.Findings – The study found a one-way causal relationship between Islamic finance and Indonesia’s economy. In the short term, Sukuk (Islamic bonds) has a significant effect on Indonesia’s GDP. While in the long term, Islamic banks and Islamic mutual funds are found to impact Indonesia’s GDP significantly. These results imply a positive relationship between Islamic finance and Indonesia’s GDP in both the short and long term. It is also notable that rates of investment, inflation and the occurrence of the Covid-19 pandemic have a significant impact on GDP.Originality – Most studies linking Islamic finance and economic size only use Islamic banking to proxy Islamic finance. However, while Islamic banking institutions dominate the Islamic finance landscape, non-bank Islamic financial institutions such as the capital market are becoming increasingly important in many countries, including Indonesia. This study fills the gap by incorporating Islamic capital market variables such as Islamic mutual funds and Sukuk to explain the relationship between Islamic finance and economic size in the world’s largest Muslim country.Research limitations – Due to data limitations, this study uses only Islamic mutual funds and Sukuk to represent non-bank financial institutions, which as a sector includes various other sub-sectors.Practical implications – Policymakers, industry and academics could use the research findings to accelerate the development of Islamic finance in Indonesia and strengthen its role in supporting and aiding the recovery of the Indonesian economy.
目的——伊斯兰金融在全球和印尼都变得越来越重要。然而,关于伊斯兰金融与印尼经济关系的研究却很少。因此,本研究旨在分析伊斯兰金融与印尼经济的短期和长期关系。方法-本研究使用2011-2020年期间的月度数据,这些数据是使用矢量误差校正模型(VECM)估计的。因变量是印尼的国内生产总值(GDP)增长,自变量是宏观经济变量(固定资本形成总额、贸易开放度和通货膨胀)、伊斯兰金融(伊斯兰银行、资本市场和伊斯兰债券)和Covid-19虚拟变量。研究发现,伊斯兰金融与印尼经济之间存在单向因果关系。在短期内,伊斯兰债券对印尼的GDP有显著的影响。而从长期来看,伊斯兰银行和伊斯兰共同基金对印尼的GDP影响显著。这些结果表明,伊斯兰金融与印尼GDP在短期和长期都存在正相关关系。值得注意的是,投资率、通货膨胀率和新冠肺炎疫情的发生对GDP产生了重大影响。原创性——大多数将伊斯兰金融和经济规模联系起来的研究只使用伊斯兰银行来代替伊斯兰金融。然而,虽然伊斯兰银行机构在伊斯兰金融领域占据主导地位,但非银行伊斯兰金融机构,如资本市场,在包括印度尼西亚在内的许多国家正变得越来越重要。本研究通过引入伊斯兰共同基金和伊斯兰债券等伊斯兰资本市场变量来解释世界上最大的穆斯林国家的伊斯兰金融与经济规模之间的关系,填补了这一空白。研究局限性-由于数据限制,本研究仅使用伊斯兰共同基金和伊斯兰债券来代表非银行金融机构,非银行金融机构作为一个部门包括各种其他子部门。实际意义-政策制定者、工业界和学术界可以利用研究结果加速印度尼西亚伊斯兰金融的发展,并加强其在支持和帮助印度尼西亚经济复苏方面的作用。
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引用次数: 2
Macroeconomic’s effect on Islamic and conventional banking profitability: Evidence from Indonesian dual-banking system 宏观经济对伊斯兰和传统银行盈利能力的影响:来自印尼双银行制度的证据
Pub Date : 2022-01-15 DOI: 10.20885/jeki.vol8.iss1.art1
Achmad Fadlil Abidillah, Roisatun Kasanah, Sulistya Rusgianto
Purpose – This paper aims to analyze the effect of macroeconomic and global crisis variables on Islamic and conventional banking profitability, evidence from Indonesian dual-banking system.Methodology – Time-series data from 2008q1–2021q2 were analyzed using an Autoregressive Distributed Lag (ARDL) model. This method can describe both long run and short run equilibrium between banking profitability and macroeconomic variables.Findings – The results point out that in a long run model, sharia banking's profitability is more resistant to macroeconomics shock than conventional's. Then, in a short run model, sharia's ROA and conventional's ROA face different effects of economic growth, exchange rate, and global crisis. Sharia's NPM is more affected by macroeconomic variables than conventional's.Originality – This study used an ARDL model to develop a dynamic relation between macroeconomic variables and dual bankings profitability.
目的-本文旨在分析宏观经济和全球危机变量对伊斯兰和传统银行盈利能力的影响,证据来自印度尼西亚双银行制度。方法:使用自回归分布滞后(ARDL)模型分析2008年第一季度至2021第二季度的时间序列数据。该方法可以描述银行盈利能力与宏观经济变量之间的长期和短期均衡。研究结果-研究结果指出,在长期模型中,伊斯兰银行的盈利能力比传统银行更能抵御宏观经济冲击。然后,在短期模型中,伊斯兰教的总资产回报率和传统的总资产回报率面临着经济增长、汇率和全球危机的不同影响。Sharia的NPM比传统的NPM更受宏观经济变量的影响。本研究使用ARDL模型建立了宏观经济变量与双银行盈利能力之间的动态关系。
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引用次数: 1
A spatial analysis of non-performance financing determinants in Islamic banks in Indonesia 印度尼西亚伊斯兰银行非绩效融资决定因素的空间分析
Pub Date : 2021-09-23 DOI: 10.20885/jeki.vol7.iss2.art7
E. Suprayitno, Rizky Mubarocha Hardiani
Purpose – This study aims to analyze the non-performance financing determinant of Islamic Banking (IB) in Indonesia through spatial analysis. These determinants consist of macroeconomic and microeconomic variables Methodology – Samples in this research were selected using the purposive sampling technique with the criteria of Islamic banks registered in the Financial Services Authority (OJK) that released quarterly data reports and financial reports during 2015-2020. There are 7 Islamic banks that met the criteria. Findings – Results showed that the ROA, Inflation, GDP, and BI Rate simultaneously affected the NPF level, while FDR and CAR do not affect the NPF level of Islamic commercial banks. Meanwhile, partially FDR, BOPO, CAR, ROA, Inflation, GDP, and BI Rate affect the NPF level. In addition, the spatial analysis showed that based on the global distribution, there is a significant spatial effect through the geographical location between one bank and other. Originality – This research provides empirical data related to the determinants of non-performing financing, using the spatial analysis approach. Moreover, this research also uses the most updated data, Islamic and conventional banks during 2015-2020 Research limitations – Related to the samples of Islamic banks, this research only investigates those registered in OJK, not all Islamic banks in Indonesia.
目的——本研究旨在通过空间分析分析印尼伊斯兰银行(IB)的不良融资决定因素。这些决定因素由宏观经济和微观经济变量组成方法论——本研究中的样本是根据在金融服务管理局(OJK)注册的伊斯兰银行的标准,使用有目的的抽样技术选择的,这些银行在2015-2020年发布了季度数据报告和财务报告。有7家伊斯兰银行符合标准。调查结果-结果显示,ROA、通货膨胀、GDP和BI利率同时影响伊斯兰商业银行的NPF水平,而FDR和CAR不影响伊斯兰商业银的NPF级别。同时,FDR、BOPO、CAR、ROA、通货膨胀、GDP和BI利率部分影响NPF水平。此外,空间分析表明,基于全球分布,银行与银行之间的地理位置具有显著的空间效应。原创性——本研究采用空间分析方法,提供了与不良融资决定因素相关的实证数据。此外,本研究还使用了2015-2020年期间最新的伊斯兰和传统银行数据。研究局限性——与伊斯兰银行样本相关,本研究仅调查在OJK注册的银行,而不是印度尼西亚的所有伊斯兰银行。
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引用次数: 2
Mapping the global Islamic equity market vis-à-vis the COVID-19 turbulence 全球伊斯兰股票市场与-à-vis新冠肺炎动荡的映射
Pub Date : 2021-09-02 DOI: 10.20885/jeki.vol7.iss2.art6
Muhamad R. Rizaldy, S. Rahayu
Purpose – COVID-19 typically affects economic activity and growth, including the movement of global Islamic stock indices. This experimental study intends to analyse and map the global Islamic equity markets competition and identify which countries have the best performance while facing the turbulence of COVID-19. Methodology – This research was conducted by simulating the formation of a global Islamic stock portfolio and ranking based on weighting of investment allocations in each country. The data used were monthly data during the first year of the COVID-19 crisis period from 12 countries that provide an Islamic stock index and are constituents of Dow Jones Global Islamic Indices and/or FTSE Shariah. The Single Index Model was employed as the method in the formation of the global portfolio in this research. Findings – Our analysis revealed that four countries that deserve the biggest weights, namely China, Japan, Turkey, and Malaysia, were the countries with the best relative performance compared to their risk and the most defensive countries to the global systematic market risk and turbulence during the first year of COVID-19 crisis period. On the other hand, three countries were eliminated as their Excess Return to Beta were lower than the Cut-Off Point, these countries were the United Kingdom, United Arab Emirates, and Canada, which means that the returns of these countries were not worth the risks. Originality – While some studies have analysed the behaviour of Islamic stock markets during the COVID-19 crisis, none of them tried to map the global Islamic stock market that reflects the competitiveness of the constituent countries and the competition amongst them. Practical implication – This research argues that if Islamic multinational investors allocate their funds while facing the COVID-19 turbulence by considering the global map generated from this study, the investors will have a global Islamic investment portfolio with an optimal return which is higher than the market return and minimal risk which is lower than the market risk.
目的——新冠肺炎通常影响经济活动和增长,包括全球伊斯兰股指的走势。本实验研究旨在分析和绘制全球伊斯兰股票市场竞争图,并确定哪些国家在面临新冠肺炎动荡时表现最佳。方法——这项研究是通过模拟全球伊斯兰股票投资组合的形成,并根据每个国家的投资分配权重进行排名来进行的。所使用的数据是新冠肺炎危机第一年12个国家的月度数据,这些国家提供伊斯兰股票指数,是道琼斯全球伊斯兰指数和/或富时伊斯兰指数的组成部分。本研究采用单一指数模型作为全球投资组合形成的方法。调查结果——我们的分析显示,在新冠肺炎危机期的第一年,中国、日本、土耳其和马来西亚这四个权重最大的国家是风险相对表现最好的国家,也是对全球系统性市场风险和动荡最具防御力的国家。另一方面,有三个国家被淘汰,因为它们的贝塔超额回报率低于截止点,这些国家是英国、阿拉伯联合酋长国和加拿大,这意味着这些国家的回报不值得冒险。原创——尽管一些研究分析了新冠肺炎危机期间伊斯兰股票市场的行为,但没有一项研究试图绘制反映组成国竞争力及其竞争的全球伊斯兰股票市场。实际意义——本研究认为,如果伊斯兰跨国投资者在面临新冠肺炎动荡时,通过考虑本研究生成的全球地图来分配资金,投资者将拥有一个全球伊斯兰投资组合,其最佳回报率高于市场回报率,最小风险低于市场风险。
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引用次数: 3
Do stability and size affect the profitability of Islamic rural bank in Indonesia? 印尼伊斯兰农村银行的稳定性和规模会影响其盈利能力吗?
Pub Date : 2021-08-30 DOI: 10.20885/jeki.vol7.iss2.art5
H. Sudarsono, Fiqih Afriadi, Siti Aisiyah Suciningtias
Purpose – This study aims to analyze the effect of stability, size, financial performance and macroeconomic variables on the profitability of Islamic Rural Banks (BPRS) in Indonesia. Methodology – This study uses panel data consisting of 82 BPRS from December 2012 to December 2018. This study uses a dynamic model using GMM (General Method of Moments) developed by Arellano & Bover (1995) and Blundell & Bond (1998). GMM is used to describe the actual conditions in the analysis of profitability of Islamic Rural Banks. Findings – The findings of this study indicate that the stability and size of the BPRS have a negative effect on the level of ROA and ROE. Further, BAC has a positive effect on ROA but it has a negative effect on ROE. While the deposit structure (DS) is found to have a positive effect on ROA and ROE, FDRand the total deposit (DAR) is found to have a positive effect on both ROA and ROE. Meanwhile, the capital structure does not show a significant value on ROA. On the other hand, economic growth (GDP) and inflation (INF) do not show a significant relationship to ROA, but inflation is positively related to ROE. Originality – This study is to determine the effect of the stability and the size of BPRS on its profitability. This study uses 6 models to obtain a consistent variation of variables in influencing profitability.
目的——本研究旨在分析稳定性、规模、财务业绩和宏观经济变量对印度尼西亚伊斯兰农村银行(BPRS)盈利能力的影响。方法——本研究使用了2012年12月至2018年12月的82个BPRS组成的面板数据。本研究使用了Arellano&Bover(1995)和Blundell&Bond(1998)开发的GMM(矩的通用方法)动态模型。GMM用于描述伊斯兰农村银行盈利能力分析中的实际情况。研究结果——本研究的结果表明,业务流程再造的稳定性和规模对ROA和ROE水平有负面影响。此外,BAC对ROA有积极影响,但对ROE有负面影响。虽然矿床结构(DS)对ROA和ROE有积极影响,但FDR和总矿床(DAR)对ROA和ROE都有积极影响。同时,资本结构对ROA的影响并不显著。另一方面,经济增长(GDP)和通货膨胀(INF)与ROA没有显著关系,但通货膨胀与ROE呈正相关。独创性——本研究旨在确定BPRS的稳定性和规模对其盈利能力的影响。本研究使用6个模型来获得影响盈利能力的变量的一致变化。
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引用次数: 3
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Jurnal Ekonomi dan Keuangan Islam
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