Tita Nursyamsiah, Tita
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Factors Influencing Non-Performing Financing (NPF) at Sharia Banking Effendi, Jaenal; Thiarany, Usy; Nursyamsiah, Tita
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 25, No 1 (2017)
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (378.515 KB) | DOI: 10.21580/ws.25.1.1540

Abstract

The risk of financing is the risk caused by the failure of the customers to fulfill their obligations. Non-performing financing (NPF) is a representation of financing risk that is channeled and has a direct impact on bank profitability. The value of NPF tends to increase annually with a value that is already close to the maximum limit set by Bank Indonesia of 5 percent. This condition is able to lead to the inefficiency of the banking system and in the long run, will have an impact on the sustainability of the bank. Therefore, the analysis of NPF factors should be conducted as a preventive measure and a risks controller of business activities. This research analyzes the factors influencing NPF at sharia banking (BUS) using a quarterly data from first quarter of 2012 until third quarter 2016. The method used in this research is panel data analysis. The result of analysis shows that the factors influencing NPF negatively and significantly are ratio of revenue sharing financing (RR), Return on Assets (ROA), inflation, Capital Adequacy Ratio (CAR) and Bank size while Gross Domestic Product (GDP) and Operating Cost to Operating Income (BOPO) have a significant positive effect.Risiko pembiayaan adalah risiko yang disebabkan oleh adanya kegagalan nasabah dalam memenuhi kewajibannya. Non- Performing Financing (NPF) merupakan representasi dari risiko pembiayaan yang disalurkan dan berdampak langsung pada profitabilitas perbankan. Nilai NPF yang cenderung meningkat setiap tahunnya dengan nilai yang sudah mendekati batas maksimum yang telah ditetapkan oleh Bank Indonesia yaitu sebesar 5 persen dapat menyebabkan inefisiensi perbankan dan dalam jangka panjang akan berdampak pada kelangsungan bank. Maka dari itu, analisis faktor-faktor NPF perlu ditinjau sebagai upaya pencegahan dan untuk mengendalikan risiko dari kegiatan usaha. Penelitian ini menganalisis faktor-faktor yang memengaruhi NPF pada Bank Umum Syariah (BUS) dengan menggunakan data kuartal dari kuartal I 2012 hingga kuartal III 2016. Metode yang digunakan dalam penelitian ini adalah analisis data panel. Hasil analisis menunjukkan bahwa faktor-faktor yang memengaruhi NPF secara negatif dan signifikan adalah RR, ROA, inflasi, CAR dan Bank size sedangkan GDP dan BOPO berpengaruh positif signifikan.
STRENGTHENING THE ROLE OF ISLAMIC PAWNSHOP IN ISLAMIC FINANCING FOR MSMES: ANP APPROACH Edgina, Lydia; Jazil, Thuba; Nursyamsiah, Tita
Tazkia Islamic Finance and Business Review Vol 10, No 1 (2016)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (796.008 KB)

Abstract

Objectives: aims to strengthen the role of Islamic pawnshop in financing for Micro Small & Medium EnterprisesMethods: analytic network process (ANP) approachResults: the main problem of Islamic pawnshop in expansion was its internal. The most priority was on socialization through promotion and advertisement. The appropriate strategy to be executed was marketing strategy to expand Ar-Rum product (financing for MSMEs) through sales marketing.Conclusion: the considered action was massive socialization to the societies using effective and efficient marketing strategy.
APLIKASI MODEL BISNIS MICROBANKING SYARIAH DI INDONESIA Effendi, Jaenal; Baga, Lukman Mohammad; Beik, Irfan Syauqi; Nursyamsiah, Tita
IQTISHADIA Vol 10, No 2 (2017): IQTISHADIA
Publisher : Ekonomi Syariah STAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (622.929 KB) | DOI: 10.21043/iqtishadia.v10i2.2241

Abstract

Microbanking is generally defined as a broad set of financial services to meet the needs of the poor and small enterprises. However, mirobanking that have been well-designed might not have a positive impact on the poorest unless it particularly obtains to reach them through proper business model. On the other hand, Indonesia lists as the largest Moslem community in the world.  Hence, microbanking that are ruled under sharia regulation namely Islamic microbanking hopefully enable to support the development program particularly to the poor and SMEs in Indonesia. Therefore, the study of practices Islamic microbanking business model should be conducted in order to design the strategy of development, particularly on financial inclusion program. This study used qualitative analysis through a process of discussion, focus group discussion (FGD), in-depth interviews and literature review in order to gain information from primary and secondary sources as well as a comparative study of business models of Islamic microfinance in Indonesia.
The Effectiveness of Islamic Microfinance Distribution on Microbusiness Owner’s Poverty Alleviation (Case Study: BMT Bina Masyarakat Purworejo) PRASETYO, AGENG; EFFENDI, JAENAL; NURSYAMSIAH, TITA
Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Vol 14, No 1 (2018): Januari - Juni 2018
Publisher : Fakultas Agama Islam Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (194.95 KB) | DOI: 10.18196/AIIJIS.2018.0078.1-26

Abstract

The objective of the study is to analyze the effectiveness of Islamic microfinance distri- bution and its impact on microbusiness owners’ poverty alleviation in Purworejo. This study used descriptive analysis method that is Likert scale and ordinary least square method (OLS) to analyze the influence of Islamic Microfinance Institution’s financing to microbusiness performance. The impact on the poverty alleviation is indicated by the change of microbusiness owners’ income. The results indicate that Islamic micro-financing is con- sidered to be effective in several aspects, they are proposal aspect, disbursement aspect, utilization aspect, and pay-back aspect of financing. In addition, Islamic microfinance has a positive impact on microbusiness performance and poverty alleviation.