Eko Fajar Cahyono, David Kaluge
Fakultas Ekonomi Dan Bisnis-Universitas Airlangga

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Faktor Dominan pada Indeks Inklusi Perbankan Syariah Sektor Pertanian di Indonesia Cahyono, Eko Fajar; Mardianto, M. Faris Fadillah; Rusmita, Sylva Alif
Economica: Jurnal Ekonomi Islam Vol 8, No 1 (2017)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2017.8.1.1826

Abstract

The importance of financial inclusion in Islamic Bank is not only affordable for business level, but also agricultural sector. Indonesian Islamic banking as one of the providers of financial services continued to grow, but its market share is still small compared with conventional banking. Therefore financial inclusion Islamic banking, especially in reaching out to the agriculture sector, need to be improved. This study aims to measure the value of financial inclusion Islamic banks in Indonesia province in reaching the agricultural sector, both provincial and district or city. Indexing method factor analysis (Principal Component Analysis) using 14 indicators that have been adapted to the concept of Financial Inclusion Index (FII). Data correlated with Islamic Financial Institution availability can be divided into two factors which are of Islamic banking (including Islamic windows of the conventional bank) and Islamic Rural Bank. The result of the analysis is indicating that the most dominant factor provided by Islamic banking (including Islamic windows of conventional Bank). The result also present the highest index score reached by West Java Province and East Java, while the lowest index score reached by East Nusa Tenggara and West Papua Province.Keuangan inklusi bagi bank syariah sangatlah penting, bukan hanya memberikan pembiayaan pada sektor bisnis namun juga untuk sektor pertanian. Bank syariah di Indonesia sebagai salah satu lembaga keuangan yang terus berkembang memiliki potensi untuk mengembangkan keuangan inklusi walaupun pangsa pasar dari bank syariah masih lebih kecil dibandingkan konvensional. Keberadaan keuangan inklusi di bank syariah khususnya pada sektor pertanian masih perlu ditingkatkan Penelitian ini bertujuan untuk mengukur nilai keuangan inklusi di bank syariah pada sektor pertanian di seluruh provinsi yang ada di Indonesia, baik pada level provinsi, kabupaten dan kota. Penelitian ini menggunakan metode index faktor analisis (analisis komponen prinsip) dengan 14 indikator yang diadaptasi dari konsep Indeks Inklusi Keuangan. Data-data berkenaan dengan lembaga keuangan Islam yang tersedia dapat dibagi menjadi dua factor, yaitu faktor yang berkaitan dengan bank syariah (termasuk unit usaha syariah) dan Bank Pembiayaan Rakyat Syariah. Hasil analisis menunjukkan bahwa faktor yang paling dominan adalah faktor yang berkaitan dengan bank syariah dan unit usaha syariah. Hasil menunjukkan bahwa angka indeks tertinggi diraih oleh provinsi Jawa Barat dan Jawa Timur, sedangkan angka indeks terendah diraih oleh provinsi Nusa Tenggara Timur dan Papua Barat.
PERAN PEMBERDAYAAN EKONOMI MELALUI SKIM QARDHUL HASAN TERHADAP PENGEMBANGAN USAHA MUSTAHIQ (STUDI KASUS PADA AL-AZHAR PEDULI UMAT) Herlambang, Leo; Cahyono, Eko Fajar; Widiastuti, Tika
IQTISHODUNA IQTISHODUNA (VOL 11, NO: 2.
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/iq.v11i2.3707

Abstract

The purpose of this study was to determine the role of economic empowerment throughqardhulhasan’ skim against mustahiq business development at Al Azhar Caring Ummah (APU Foundation).  QardhulHasanis a financial product for micro businesses that do not provide financial benefits for the lender.Qardhulhasanfunds managed Al Azhar Care for People (APU Foundation) came from zakat, infaq, charity Islamicbanking.Economic empowerment of Al Azhar that carried the People Concerned role in business developmentprogram mustahiq dam frame a million defenseless. The program use to improve the local economy and buildmicro-economic resilience and make bankable for the mustahiq
PENGARUH VARIABEL EKONOMI MAKRO, PEMBIAYAAN DARI BANK UMUM SYARIAH DAN IKNB SYARIAH TERHADAP EKSPOR INDONESIA TAHUN NOVEMBER 2013-APRIL 2016 Rusmita, Sylva Alif; Cahyono, Eko Fajar
NISBAH: JURNAL PERBANKAN SYARIAH Vol 2, No 2 (2016): Jurnal Nisbah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (421.303 KB) | DOI: 10.30997/jn.v2i2.160

Abstract

ABSTRAKPerkembangan perdagangan bebas di Asia saat ini menjadi tantangan tersendiri bagi Indonesia. Mengingat bahwa perdagangan antar negara semakin tanpa hambatan maka diperlukan upaya penguatan penjualan komoditas dari Indonesia menuju Negara lain atau dengan kata lain diperlukannya upaya peningkatan ekspor. Melihat perkembangan lembaga keuangan syariah yang juga mendukung pertumbuhan sektor riil secara nyata, tentunya pembiayaan dapat langsung membantu pertumbuhan ekspor di Indonesia. Namun sayangnya berdasarkan hasil penelitian saat ini menunjukkan bahawa lembaga keuangan syariah (BUS dan IKNB Syariah) masih belum berpengaruh positif kepada ekspor di Indonesia. Hal ini dikarenakan pembiayaan pada lembaga keuangan syariah masih bersifat konsumtif. Begitu juga dengan inflasi memiliki pengaruh negatif sedangkan kurs rupiah terhadap dolar justru memiliki pengaruh positif.Kata Kunci: Ekspor Indonesia, Inflasi, Kurs, Bank Umum Syariah dan IKNB Syariah
Macroprudential Policy on Sharia Banking Financing: The Indonesian Experience Cahyono, Eko Fajar; Rani, Lina Nugraha
Shirkah: Journal of Economics and Business Vol 3, No 2 (2018)
Publisher : Faculty of Islamic Economics and Business, Institut Agama Islam Negeri (IAIN) Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (663.466 KB) | DOI: 10.22515/shirkah.v3i2.185

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The locus of macroprudential policy persuading banks has recently attracted significant attention for such research. Whether and to what extent macroprudential policies established by Bank Indonesia against sharia banks have not researched yet in previous empirical studies. Gathering data during 2008-2016, this article examines the impact of macroprudential policy on credit risk-taking by sharia banks in Indonesia. This research approach uses dynamic panel data analysis technique to investigate the relationship between risk-taking of sharia bank credit and macroprudential policy for a bank in Indonesia good sharia banking. This research shows that there is the influence of Bank Indonesia's macroprudential policy toward murabaha financing in Indonesia.  Keywords: macroprudential policy, credit risk, sharia bank
ANALISIS PENGARUH INFRASTRUKTUR EKONOMI TERHADAP PRODUK DOMESTIK BRUTO DI INDONESIA Cahyono, Eko Fajar
Jurnal Ekonomi Pembangunan Vol 10, No 2 (2012): Jurnal Ekonomi Pembangunan
Publisher : Pusat Pengkajian Ekonomi dan Kebijakan Publik

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (749.873 KB) | DOI: 10.22219/jep.v10i2.3724

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This research intent to measure one how far public infrastructure influence as highway, electricity,fresh water and telephone and seluler to Gross Domestic Product at Indonesia. This research goes upon on classic economic growth theory and neoklasik what does look on that infrastructure constitutes associate physical capital good direct and indirect to economic growth. This research utilize analisis's method bifilar linear regression and time series's data. Base estimation result is found that infrastructure publicing to have influence that signifikan and terhdap's positive Gross Domestic Product. 
PELATIHAN EKONOMI DAN KEUANGAN SYARIAH DALAM RANGKA PEMBENTUKAN BAITUL MAL WAT TAMWIL Herianingrum, Sri; Cahyono, Eko Fajar; Rani, Lina Nugraha; Rusmita, Sylva Alif
Studi Kasus Inovasi Ekonomi Vol 3, No 01 (2019)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Muhammadiyah Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (67.584 KB) | DOI: 10.22219/skie.v3i01.6935

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The background of this activity was to fulfill the aspirations of the Muslims of Bandar Kidul village, Mojoroto Subdistrict, Kediri City to carry out economic activities following Islamic rules and the potential capabilities and skills possessed by management and members of the Fascho cooperative to manage Islamic microfinance institutions such as Baitul Wat Tamwil . The purpose of this community service activity is to provide understanding, knowledge, and skills to the management and members of the Fascho cooperative who are engaged in Mojoroto Subdistrict, Kediri City about Islamic economics and Islamic Finance. The activity took place in May 2018, and the actions were in the form of workshop and socialization about Islamic economics and Islamic finance. The article is expected to be a provision for administrators and members to establish Baitulmal wat Tamwil. The results of the activities were in the form of increased awareness of the community around the location of the community service and the increased knowledge and skills of the members and administrators of the Fascho Cooperative so that they were better prepared to establish the BMT.
PERBANDINGAN PROPORSI PEMBIAYAAN UMKM PADA PERBANKAN UMUM DAN PERBANKAN SYARIAH DI INDONESIA Hidayah, Nusrotul; Cahyono, Eko Fajar
Jurnal Ekonomi Syariah Teori dan Terapan Vol 7, No 7 (2020): Juli-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20207pp1247-1263

Abstract

This study aims to compare the proportion of MSME financing from total financing in commercial banking and Islamic banking in Indonesia in 2014- 2018. The approach used in this study is a quantitative approach with the Mann Whitney test. This study used secondary data obtained from the Financial Services Authority’s (OJK) website. The study result showed a significance value (probability) that was smaller than 0.05, meaning that the proportion of MSME financing to total financing in Islamic banking in Indonesia was greater than the proportion of MSME credit to total credit. It shows that the presence of Islamic banking has had a positive impact on the growth of the real sector, especially MSME through mudharabah and musharakah schemes or direct investment schemes and profit sharing so that MSME can contribute to employment, domestic income, and resilience in dealing with economic shocks.Keywords: Banking, Credit, Financing, MSME
ANALISIS PENGARUH INFRASTRUKTUR PUBLIK TERHADAP PRODUK DOMESTIK BRUTO PERKAPITA DI INDONESIA David Kaluge, Eko Fajar Cahyono,
IQTISHODUNA IQTISHODUNA (VOL 7, NO 2
Publisher : Fakultas Ekonomi, UIN Maliki Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (271.802 KB) | DOI: 10.18860/iq.v0i0.1753

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This study aims to measure how far the influence of public infrastructure such as roads, electricity,  and telephone  to Gross Domestic Product in Indonesia. This research is based on the theory of classical and neoclassical economic growth which assumes that the infrastructure is physical capital that relate either directly or indirectly to economic growth. This research used error correction model  analysis and time series data. Based on estimates found that public infrastructure have a significant and positive impact on Gross Domestic Product.
Efficiency Analysis of Zakat Institutions Based on The Organizational Cluster in Indonesia: Free Disposal Hull (FDH) Approach Ryandono, Muhamad Nafik Hadi; Widiastuti, Tika; Qulub, A. Syifaul; Cahyono, Eko Fajar; Mi'raj, Denizar Abdurrahman; Insani, Taqiyah Dinda
al-Uqud : Journal of Islamic Economics Vol 5, No 2 (2021): July
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (403.27 KB) | DOI: 10.26740/al-uqud.v5n2.p218-233

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This study aims to analyse the level of efficiency of zakat institutions in Indonesia between 2014 and 2018. Zakat institutions are divided into three clusters based on the organisation's nomenclature: the government, public, and private groups. The division of these clusters aims to see differences in the management of zakat funds between each group. This study uses a quantitative research approach through the Free Disposal Hull (FDH) method to produce a more comprehensive average efficiency estimation than the Data Envelopment Analysis (DEA). The sampling technique is purposive, and there are fourteen research objects observed. The government cluster is the cluster with the highest efficiency value. The private set comes in second, and the public group comes in third ranking. The high score that the government cluster earns is due to their primary business purpose, which focuses on managing zakat funds. The results of this study can be used as references for the policy establishment of zakat institutions in Indonesia.
Analysis of Efficiency for Zakat Management Organization in Indonesia: A Comparison Study of Super Efficiency and Free Disposal Hull Muhamad Nafik Hadi Ryandono; A Syifaul Qulub; Eko Fajar Cahyono; Tika Widiastuti; Elsi Mersilia Hanesti; Ninda Ardiani; Taqiyah Dinda Insani
Hayula: Indonesian Journal of Multidisciplinary Islamic Studies Vol 5 No 2 (2021): Hayula: Indonesian Journal of Multidisciplinary Islamic Studies
Publisher : Laboratorium Prodi Pendidikan Agama Islam UNJ

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21009/005.02.01

Abstract

This research aims to analyze the efficiency level of fourteen Zakat Management Organizations (ZMO) in Indonesia. This study uses a quantitative approach with the method of Free Disposal Hull (FDH) and the Super Efficiency (SE) method. Socialization Expense, Operational Expense, and Salary Expense are the input variables, while zakah fund collection and zakah distribution become the output variables. Empirical findings show that ZMO Corp 4 has the highest efficiency level, which analyzed through both methods of FDH or SE. ZMO managed by the government is the most efficient ZMO compared to the others who managed by private group and social organization. Total Potential Importance (TPI) shows that the output variable that requires the most significant adjustment is the zakat distribution, which is 12.66%