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DOES FRACTIONAL RESERVE BANKING SYSTEM EXIST IN INDONESIAN ISLAMIC BANKING? Syamlan, Yaser Taufik; Istiana, Nur
Journal of Islamic Monetary Economics and Finance Vol 4 No 2 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (739.856 KB) | DOI: 10.21098/jimf.v4i2.1009

Abstract

Fractional Reserve Banking is the banking and financial system that have been applied in most countries around the world. This research aims to look at the impact empirically and at the contributions given from the components of fractional reserve banking against inflation that occurs in Sharia Commercial Banks and Sharia Business Unit. The fractional reserve banking components covered in these studies are statutory reserve requirement, total deposit, total financing, Mismatch Ratio, and Total non-performing financing. This research is using VAR VECM and ECM as analysis tools and also collecting secondary data from OJK that spanned from June 2014 to September 2018. The results of this research have found that Indonesian Islamic bank is doing the fractional reserve banking system (FRBS). Furthermore, the largest contributor of FRBS in Sharia Commercial Bank (BUS) is the Statutory Reserve Requirment while in sharia Business Unit the results showed that Third Party Fund and Mismatch ratio gives the greatest contributions against inflation. Interestingly, the UUS has greater contribution and shock to the inflation if we compare to the BUS. To prevent the effect of it in the future, controlling mismatch and introducing the irrevocable investment account might be the solutions.
DOES FRACTIONAL RESERVE BANKING SYSTEM EXIST IN INDONESIAN ISLAMIC BANKING? Syamlan, Yaser Taufik; Istiana, Nur
Journal of Islamic Monetary Economics and Finance Vol. 4 No. 2 (2018)
Publisher : Bank Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21098/jimf.v4i2.1009

Abstract

Fractional Reserve Banking is the banking and financial system that have been applied in most countries around the world. This research aims to look at the impact empirically and at the contributions given from the components of fractional reserve banking against inflation that occurs in Sharia Commercial Banks and Sharia Business Unit. The fractional reserve banking components covered in these studies are statutory reserve requirement, total deposit, total financing, Mismatch Ratio, and Total non-performing financing. This research is using VAR VECM and ECM as analysis tools and also collecting secondary data from OJK that spanned from June 2014 to September 2018. The results of this research have found that Indonesian Islamic bank is doing the fractional reserve banking system (FRBS). Furthermore, the largest contributor of FRBS in Sharia Commercial Bank (BUS) is the Statutory Reserve Requirment while in sharia Business Unit the results showed that Third Party Fund and Mismatch ratio gives the greatest contributions against inflation. Interestingly, the UUS has greater contribution and shock to the inflation if we compare to the BUS. To prevent the effect of it in the future, controlling mismatch and introducing the irrevocable investment account might be the solutions.
Faktor-Faktor yang Mempengaruhi Homeostasis pada Tubuh Ikan : Sebuah Tinjauan Literatur Humairah, Nurul; Adnan, Riski Ramadhani; Utami, Putri Nanda; Istiana, Nur; Penang, Clara; Sahribulan, Sahribulan
Jurnal Penelitian Sains Vol 26, No 2 (2024)
Publisher : Faculty of Mathtmatics and Natural Sciences

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56064/jps.v26i2.972

Abstract

Studi literatur ini akan mengulas faktor-faktor yang mempengaruhi homeostasis pada tubuh ikan, dengan berfokus pada adaptasi terhadap lingkungan air yang beberda. Ada berbagai faktor seperti suhu, oksigen terlarut, pH, salinitas, dan pencemaran air memainkan peran penting dalam menjaga keseimbangan internal ikan. Perubahan-perubahan dalam lingkungan air dapat mempengaruhi perilaku dan fungsi fisiologis ikan, sehingga memerlukan adaptasi yang tepat untuk menjaga homeostasis. Dengan pemahaman tentang sejumlah faktor yang memengaruhi homeostasis ikan dan strategi adaptasi yang mereka miliki, kita dapat mengambil langkah-langkah untuk merawat dan melindungi kesehatan ikan di berbagai lingkungan air. Upaya untuk menjaga kualitas air pada tingkat optimal dan mengurangi pencemaran menjadi kunci penting dalam mendukung kelangsungan hidup ekosistem perairan serta populasi ikan.
Keefektifan Metode Bermain Peran dalam Meningkatkan Nilai Moral Anak Usia Dini (Sopan santun, Menolong, dan Kebersihan): Studi Kuasi-Eksperimen di TK Bungamputi Landewang, Jesisca; Amrullah, Amrullah; Istiana, Nur; Nurhayati, Nurhayati
Jurnal Obsesi : Jurnal Pendidikan Anak Usia Dini Vol. 9 No. 5 (2025): in Progress
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/obsesi.v9i5.7349

Abstract

Penelitian ini bertujuan untuk mengetahui keefektifan metode bermain peran dalam meningkatkan nilai moral anak usia dini. Penelitian ini menggunakan pendekatan kuantitatif dengan desain eksperimen sederhana. Subjek penelitian adalah anak kelompok B di TK Bungamputi. Perlakuan diberikan melalui aktivitas bermain peran dalam situasi sosial seperti peran dokter dan pasien, penjual dan pembeli, serta koki dan pelanggan. Teknik analisis data menggunakan analisis inferensial. Hasil penelitian menunjukkan adanya peningkatan signifikan dalam nilai moral anak setelah perlakuan. Anak-anak menjadi lebih sopan, menunjukkan sikap tolong-menolong, dan memiliki kesadaran untuk menjaga kebersihan. Temuan ini menunjukkan bahwa metode bermain peran dapat menjadi strategi pembelajaran yang efektif dalam menumbuhkan nilai moral anak usia dini, khususnya dalam aspek sopan santun, kepedulian sosial, dan kebiasaan hidup bersih.