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All Journal JURNAL EKONOMI DAN KEBIJAKAN PEMBANGUNAN Al-Iqtishad : Jurnal Ilmu Ekonomi Syariah (Journal of Islamic Economics) Jurnal Agro Ekonomi IQTISHADIA Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Journal of Consumer Science Walisongo: Jurnal Penelitian Sosial Keagamaan El-Mashlahah Jurnal Ekonomi & Kebijakan Publik Tazkia Islamic Finance and Business Review Journal of Consumer Sciences AFRE Accounting Financial Review Jurnal Manajemen Pembangunan Daerah Al-Muzara'ah Jurnal Ekonomi & Keuangan Islam AFEBI Islamic Finance and Economic Review MIZAN ILTIZAM Journal of Sharia Economic Research Islaminomics: Journal of Islamic Economics, Business and Finance Journal of Islamic Monetary Economics and Finance International Journal of Zakat (IJAZ) Kasaba: Jurnal Ekonomi Islam Jurnal Ilmiah Manajemen Kesatuan JIIP (Jurnal Ilmiah Ilmu Pendidikan) Jurnal Agro Ekonomi ASIAN JOURNAL OF ISLAMIC MANAGEMENT (AJIM) Al-Awqaf: Jurnal Wakaf dan Ekonomi Islam Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Mizan: Journal of Islamic Law Waraqat : Jurnal Ilmu_Ilmu Keislaman Prosperity: Journal of Society and Empowerment Share: Jurnal Ekonomi dan Keuangan Islam Islamic Social Finance Al-Infaq: Jurnal Ekonomi Islam Amwaluna: Jurnal Ekonomi dan Keuangan Syariah
Irfan Syauqi Beik
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Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

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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 IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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 LESS-INTERRESTED OF ISLAMIC BANK FOR ISSUING SUKUK: Factors and Recommendations Awaludin, Taufik; Syauqi Beik, Irfan; Ismal, Rifki
Walisongo: Jurnal Penelitian Sosial Keagamaan Vol 24, No 1 (2016): Ekonomi (Bisnis) Islam
Publisher : LP2M - Universitas Islam Negeri (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/ws.24.1.693

Abstract

This study attempts to identify dominant factors for banks to issue sukuk and emission features. Applying interviews and Analytic Network Process, this paper Found that the sub-elements which are dominant in influencing IB less interested in issuing sukuk, namely: averse selection/amount cost of fund (management), investment rating companies (investor), the results of using sukuk funds (regulation) and profitability condition (finance). Meanwhile, the sub-elements which are dominant in determining the features of the issuance of sukuk are: macroeconomic condition (emission values), expectations of investors (return)), the contract and the structure of sukuk (collateral), managing mismatch (period), and company liquidity (payment term).  The method used in this reseach is the Analytic Network Process (ANP). This study will identify the aspects of emission factors and features.***Penelitian ini bertujuan untuk melakukan identifikasi faktor-faktor dominan dalam persoalan sukuk dan ciri-ciri pengeluarannya. Menerapkan teknik wawan­cara dan proses jejaring analitis, makalah ini menemukan bahwa sub-sub elemen yang dominan mempengaruhi kurang menariknya IB dalam persoalan sukuk, adalah: menolak seleksi/jumlah pembiayaan (manajemen), rating investasi perusahaan (investor), hasil-hasil penerapan pembiayaan sukuk (regulasi) dan kondisi profitabilitas (keuangan). Sementara itu, sub-sub elemen yang dominan dalam menentukan ciri-ciri pengeluaran sukuk adalah: kondisi makro ekonomi (nilai pengeluaran), ekspektasi dari investor (keuntungan), kontrak dan struktur sukuk (jaminan), pengelolaan yang tidak sebanding (waktu) dan likuiditas perusahaan (syarat-syarat pembayaran). Metode yang digunakan dalam penelitian ini adalah Analytic Network Process (ANP). Penelitian ini akan mengidentifikasi aspek faktor emisi dan fitur. ANP adalah teori matematika dalam pengambilan keputusan yang mampu menganalisis pengaruh melalui asumsi untuk memecahkan berbagai masalah.
Is There Moral Hazard in Islamic Rural Bank Financing? Oktarina, Adelia; Fahmi, Idqan; Beik, Irfan Syauqi
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3875

Abstract

The credit market was identical to asymmetric information in it, both conventional and sharia credit markets. One of the forms of this asymmetric information was moral hazard. This study aimed to identify the existence of moral hazard in credit market (financing) by comparing the customer conditions in islamic rural bank and conventional rural bank. This study also intended to identify the factors influencing the moral hazard. The analysis used was logistic regression method. The result showed that islamic rural bank had a bigger potential to experience moral hazard compared to the conventional customers. Generally, the factors which influence the moral hazard such as age, business conditions, amount of financing, length of financing, and type of bank.
STRATEGI PERLINDUNGAN LAHAN PERTANIAN PANGAN BERKELANJUTAN DI KABUPATEN BOGOR Satria, Judo; Falatehan, A. Faroby; Beik, Irfan Syauqi
Jurnal Manajemen Pembangunan Daerah Vol. 10 No. 2 (2018)
Publisher : Program Studi Manajemen Pembangunan Daerah. Fakultas Ekonomi dan Manajemen. IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (216.977 KB) | DOI: 10.29244/jurnal_mpd.v10i2.27786

Abstract

ABSTRACTProtection of sustainable food agriculture land is an efforts in order to control the high rate of conversion of agricultural land to non-agricultural land, as well as food security and sovereignty. In addition, agricultural land has a very strategic role and function for the people of Bogor District who are agrarian because there are a large number of residents of Bogor District who depend on the agricultural sector. This study aims to formulate the strategy of the Bogor District Government through a strategy to control the transformation of sustainable food agricultural land to meet the level of food sufficiency and protect from the rate of land conversion. To achieve these objectives, a review needs to be done to check the availability of agricultural land, with the formulation of Analytical Hierarchy Process for policy development decisionKeywords: agricultural land conversion, agricultural land protection strategy.ABSTRAKPerlindungan lahan pertanian pangan berkelanjutan merupakan salah satu upaya dalam rangka pengendalian terhadap tingginya laju alih fungsi lahan pertanian ke lahan non-pertanian. Serta terkait pula dengan ketahanan dan kedaulatan pangan. Disamping itu, lahan pertanian memiliki peran dan fungsi yang sangat strategis bagi masyarakat Kabupaten Bogor yang bercorak agraris karena terdapat sejumlah besar penduduk Kabupaten Bogor yang menggantungkan hidup pada sektor pertanian. Penelitian ini bertujuan untuk merumuskan strategi Pemerintah Kabupaten Bogor melalui strategi pengendalian alihfungsi lahan pertanian pangan berkelanjutan guna memenuhi tingkat kecukupan pangan dan melindungi dari laju konversi lahan. Untuk mencapai tujuan tersebut maka dilakukan tinjauan terhadap ketersediaan lahan peruntukan pertanian, dengan perumusan Proses Hirarki Analitik untuk keputusan pengembangan kebijakanKata Kunci : alihfungsi lahan pertanian, strategi perlindungan lahan pertanian
Analisis Faktor-Faktor yang Memengaruhi Pembiayaan Bank Syariah untuk Sektor Pertanian di Indonesia Beik, Irfan Syauqi; Aprianti, Winda Nur
Jurnal Agro Ekonomi Vol 31, No 1 (2013): Jurnal Agro Ekonomi
Publisher : Pusat Sosial Ekonomi dan Kebijakan Pertanian

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21082/jae.v31n1.2013.19-36

Abstract

EnglishIndonesia’s agricultural sector deals with limited financial access. Hence, Islamic banks can play a significant role in providing financial resources for national agricultural development. This paper attempts to analyze determinants of agricultural financing in the Islamic banking industry. It utilizes monthly data of Islamic banking industry from July 2004 until December 2010. It employs VAR/VECM as its analytical method. The findings show that bonus of Islamic ‘Bank Indonesia’ certificate (SBIS), conventional rate of Bank Indonesia (SBI) certificate, equivalent rate of financing, and equivalent rate of return on deposit (third party fund) positively significantly affect agricultural financing in the long run. However, the number of deposit (third party fund) and conventional bank interest rate are negatively related with agriculture financing. In addition, inflation and non-performing financing are not affecting agriculture financing neither in the short run nor in the long run. This paper suggests the increase in agricultural financing proportion for agriculture should be in accordance with the increase in total deposit value. It also recommends improvement of the human resources competency in agriculture sector as well as strengthening instruments of Islamic monetary policy. IndonesianSalah satu problematika utama yang dihadapi oleh sektor pertanian di Indonesia adalah keterbatasan akses finansial. Sehingga, perbankan syariah dapat memainkan peran yang signifikan dalam menyediakan pembiayaan bagi pembangunan pertanian nasional. Makalah ini mencoba untuk menganalisis faktor-faktor yang memengaruhi pembiayaan pertanian pada perbankan syariah. Statistik bulanan industri perbankan syariah mulai Juli 2004 hingga Desember 2010 digunakan sebagai sumber data, dan metode VAR/VECM digunakan sebagai alat analisis. Hasil penelitian menunjukkan bahwa bonus Sertifikat Bank Indonesia Syariah (SBIS), bunga Sertifikat Bank Indonesia (SBI), equivalent rate pembiayaan syariah dan equivalent rate dana pihak ketiga memengaruhi pembiayaan pertanian pada jangka panjang secara positif dan signifikan. Sedangkan jumlah dana pihak ketiga dan suku bunga bank konvensional memengaruhi pembiayaan pertanian secara negatif. Selanjutnya, inflasi dan Non Performing Financing (NPF) tidak memengaruhi pembiayaan pertanian, baik pada jangka pendek maupun jangka panjang. Penelitian ini merekomendasikan peningkatan proporsi pembiayaan pertanian seiring dengan peningkatan jumlah dana pihak ketiga, peningkatan kompetensi SDM perbankan syariah yang menguasai sektor pertanian, dan penguatan instrumen kebijakan moneter syariah.
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 IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | 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.
Is There Moral Hazard in Islamic Rural Bank Financing? Oktarina, Adelia; Fahmi, Idqan; Beik, Irfan Syauqi
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.3875

Abstract

The credit market was identical to asymmetric information in it, both conventional and sharia credit markets. One of the forms of this asymmetric information was moral hazard. This study aimed to identify the existence of moral hazard in credit market (financing) by comparing the customer conditions in islamic rural bank and conventional rural bank. This study also intended to identify the factors influencing the moral hazard. The analysis used was logistic regression method. The result showed that islamic rural bank had a bigger potential to experience moral hazard compared to the conventional customers. Generally, the factors which influence the moral hazard such as age, business conditions, amount of financing, length of financing, and type of bank.
ANALISIS PEMBIAYAAN DAN KREDIT SEKTOR KONSTRUKSI DI INDONESIA: STUDI PERBANKAN SYARIAH DAN KONVENSIONAL Nidaa Nazaahah Kusumawati; Nunung Nuryartono; Irfan Syauqi Beik
JURNAL EKONOMI DAN KEBIJAKAN PEMBANGUNAN Vol 6 No 1 (2017): Jurnal Ekonomi dan Kebijakan Pembangunan
Publisher : IPB University

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1321.223 KB) | DOI: 10.29244/jekp.6.1.2017.21-40

Abstract

The construction sector is an important sector in supporting development projects in Indonesia. The development of the construction sector requires the role of the banking sector to provide access of capital through credit or financing. This study aims to analyze the factors affecting construction financing and credit in Islamic and Conventional Banking in Indonesia and among regions in Indonesia. This study uses Vector Autoregression/ Vector Error Correction Model (VAR/VECM) with monthly data from 2006 until 2014 and panel data analysis with yearly data from 2009 until 2013. The study results that the factors affecting financing and credit on Construction Sector in Indonesia are Third Party Funds (DPK), Wholesale price index, fee of SBIS (interest rate of SBI), percentage of Non Performing Financing (Non Performing Loan), Consumer Price Index and equivalent rate of financing (Interest rate of Credit). Furthermore, the factors affecting financing and credit on Construction Sector among regions in Indonesia are Third Party Funds, Gross Domestic Regional Product of Construction Sector, Gross Domestic Regional Product per Capita and percentage of Non Performing Financing (Non Perfoming Loan). Keywords: Construction, Credit, Financing, Panel data, VAR/VECM
Why The Rate Of Financing In Islamic Banks Is High? An Analysis Based On Malaysian Case Irfan Syauqi Beik; Laily Dwi Arsyianti
Tazkia Islamic Finance and Business Review Vol. 3 No. 1 (2008)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v3i1.19

Abstract

Islamic banking has grown rapidly and has become fi nancial-nerve centre in today’s world economy, particularly in the last three decades. It has attracted various entrepreneurs and enterprises to get its fi nancing. However, Islamic banks tend to have a higher rate of fi nancing compared to the conventional ones. This less competitiveness encourage the demand for Islamic products may fall leaving the Islamic banks. Good debtors opted for conventional loans since the interest rates paid were relatively lower and the rest (the bad debtors) successfully made their way to Islamic banks. Therefore, the nonperforming financing of Islamic banks is high. This paper attempts to analyze factors that determine high rate of fi nancing in Islamic banks, by taking the case of Malaysian Islamic banks. In this paper, the top three of Islamic banks and conventional banks are selected for comparison. It finds that high default premium and overheads per capital contribute signifi cantly to the high fi nancing rate. Hence, the Islamic banks should diversify their assets and implement universal banking concept.Keywords: Islamic bank, rate of fi nancing, NPF (Non-Performing Financing), universal banking system
The Role of Islamic Rural Bank in Financing the SMEs: Customer Perspective Analysis (Case Study of Amanah Ummah Bank in Bogor City, Indonesia) Irfan Syauqi Beik; Qurroh 'Ayyuniyyah; Laily Dwi Arsyanti
Tazkia Islamic Finance and Business Review Vol. 4 No. 2 (2009)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v4i2.34

Abstract

One of the basic problems faced by small scale and medium enterprises (SMEs) in Indonesia is the availability of financing access provided by financial institutions including banking institution. There are three types of Islamic bank operating in Indonesia presently: Islamic commercial bank, Islamic banking unit and Islamic rural bank. Providing the SMEs with sufficient financing source is highly required. This paper attempts to observe empirically the role that have been played by Islamic rural bank in financing the SMEs, by taking case study of Amanah Ummah Bank, the best Islamic rural bank in the country. Thirty small and medium entrepreneurs have been selected as the sample of the research, and have been deeply interviewed on September and October 2008. Descriptive statistics, IPA (Importance Performance Analysis) and CSI (Customer Satisfaction Index) methods have been used as analytical methods. The results show that the financing given by the bank does really help the SMEs. There are three factors, which are important, and which have satisfied the SMEs. These are easiness of bank’s requirements, the speed of financing approval, and bank’s services. In general, the respondents are of the view that the bank has shown a good performance.Keywords : SMEs, Islamic rural bank, customers’ perception
Co-Authors Aang Gunaepi Abdul Wahid Mongkito Abullah, Brahim Achmad Firdaus Achmad Firdaus Ade Nur Rohim Adelia Oktarina Adrianna Syariefur Rakhmat Afiatin Dewi Ahmad Mukhlis Ahmad Naufal Ahmad Tafsir, Ahmad Akhmad Fauzi Al Aziz, Muhammad Fatih Al Muharram, Muhammad Shiddiq Amruzi, Fahmi Al Anggara, Muhamad Rafi Aprianti, Winda Nur Arief Rohman Yulianto Ascarya Ascarya Aslam Mei Nur Widigdo Bagus Sartono Bambang Juanda Basri, Samsul Bayu Widokartiko Buchori, Nur S Budi Rahmat Hakim Budi Rahmat Hakim BUNASOR SAMIN Caesar Pratama Deni Nuryadin Dian Fitriarni Sari Didin Hafidhuddin MS Dina Wening Ati Dianti Dinia, Yunie Syamsu Eka Octavian Pranata Ekawati Wahyuni Elvina Dian Paramita Emmy Hamidiyah ENDRI ENDRI Erliza Noor Eugenia, Syaima Evie Octarina Fahmi Al Amruzi Faroby Falatehan Fithri Tyas Hapsari Hamidiyah, Emmy Haq, Daffa Aqomal Hartoyo Hartoyo Hasbi Indra Hendri Tanjung Hendri Wijaya Herianto Herianto Hermanto Siregar Hilman Hakiem Hilmiyah, Ulfah Laelatul Huda, Munir Huda, Nurul Husnul Khatimah Husnul Khatimah Idqan Fahmi Indupurnahayu Isro'iyatul Mubarokah Isro’iyatul Mubarokah Izzatul Mabniyyah Alhasanah JAENAL EFFENDI Kameswari, Ika Kartika Andiani Khairunnajah Khairunnajah Khalifah Muhamad Ali Laily Dwi Arsyanti Laily Dwi Arsyianti Lauda, Farhan Lukman M Baga Lukman M. Baga M Syamsul Maarif Marimin . Masyitha Mutiara Ramadhan Maulida, Sri Maya Asfarina Mimin Aminah Mohammad Iqbal Irfany Muhammad Fatih Al Aziz Mukhamad Najib Munandar, Jono M Mutiara Mutiara Nafiah Ariyani, Nafiah Nasrudin Anas Nidaa Nazaahah Kusumawati Nina Triyani Nisa Nurrahmah Nunung Nuryartono Nur Richana Nur S Buchori Nuradi Nuradi Nuradi Nurhayati, Immas Nurrahmah, Nisa Nurul Huda Octarina, Evie Oktarina, Adelia Paramita , Elvina Dian Prasetyo, Ageng Pudji Muljono QOLBI, NURUL Qurroh 'Ayyuniyyah Qurroh Ayuniyyah R. Sapto Hendri Boedi Soesatyo Ranti Wiliasih Ribowo, Sugeng Rifki Ismal Rifki Ismal Rina Murniati Rosadi, Dede Salahuddin El Ayyubi Satria, Judo Shobri Shobri Shofiyatul Muthi'ah Siti Ismi Diningty Fauzi Sofyan Baehaqie Solly Aryza Sri Maulida Sri Wulan Fatmawati Suhartoyo Suhartoyo Syaima Eugenia Taufik Awaludin Taufik Awaludin, Taufik Tita Nursyamsiah, Tita Tony Irawan Tsabita, Khonsa Ulil Amri Syafri Walneg Sopia Jas Winda Nur Aprianti Wisnu Wardhana Wiwiek Rindayanti Yeti Lis Purnamadewi Yudha Heryawan Asnawi Yulianto, Arief Rohman Yusman Syaukat