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Role of Islamic Finance Development to Financial Inclusion: Empirical Study in Islamic Banking Countries Suseno, Priyonggo; Fitriyani, Yeny
Jurnal Ekonomi dan Keuangan Islam Volume 4 No. 1, Januari 2018
Publisher : Faculty of Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/jeki.vol4.iss1.art1

Abstract

AbstractThe purpose of this paper is to determine the level of regional financial inclusion in OIC countries which operate Islamic Banking and the link between financial inclusion and Islamic finance development. This is the first study of that investigate the role if Islamic finance to financial inclusion which include Islamic financial development and societal variables as independent variables. Panel data regression has been used to estimate the relationship between Islamic finance development and financial inclusion. EGLS, Estimated Generalize Least Square, is being used to reduce the autocorrelation among residual due to cross-sectional effect. Using Sharma Financial Inclusion Index, this study finds that the average Financial Inclusion Index is 22.2 with the highest index is 62.6 and the lowest index is 2.1.  Based on panel data regression, this study finds that macro-economic factors, level of employment and GDP per capita, have the most significant influences on financial inclusion in Islamic banking countries. Other non-economic societal factors such as information technological advancement and corruption level do not significant influence on financial inclusion.Keywords --Panel regression, Financial Inclusion, Islamic Financial Development 
Model pengembangan ekonomi pesantren Berbasis kearifan lokal: studi kasus Ponpes Sidogiri Azizah, Siti Nur; Fitriyani, Yeny
Proceeding of Conference on Islamic Management, Accounting, and Economics CIMAE Volume 1, 2018
Publisher : Proceeding of Conference on Islamic Management, Accounting, and Economics

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Abstract

Pondok pesantren telah menjadi kekuatan yang diperhitungkan saat ini oleh banyak pihak, tidak hanya karena jumlah santri yang tidak sekedar banyak, namun lebih dari itu, pondok pesantren telah menjadi kekuatan ekonomi yang dahsyat. Paper ini akan membahas model pengembangan ekonomi pesantren yang berbasis kearifan lokal khususnya dalam upayanya mengoptimalkan potensi pesantren dan masyarakat lokal untuk disinegikan bersama dalam beberapa model usaha produktif yang mampu memberikan dampak ekonomi dan sosial. Paper ini akan dibagi menjadi 4 bagian sebagai berikut: Pertama, pendahuluan yang membahas latar belakang dan tujuan. Kedua, konsep pengembangan ekonomi pesantren berbasis kearifan lokal. Ketiga, praktik pengembangan ekonomi di pondok pesantren sidogiri, Pasuruan. Keempat, peluang dan tantangan yang dihadapi dalam pengembangan ekonomi pesantren. Terakhir, adalah akan ditutup dengan kesimpulan dan saran.  
GOOD CORPORATE GOVERNANCE DALAM MENINGKATKAN KINERJA KEUANGAN BANK SYARIAH Pudail, M.; Fitriyani, Yeny; Labib, Achmad
Wahana Islamika: Jurnal Studi Keislaman Vol 4 No 1 (2018): Wahana Islamika: Jurnal Studi Keislaman
Publisher : SEKOLAH TINGGI AGAMA ISLAM AL-HUSAIN MAGELANG

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (259.707 KB) | DOI: 10.5281/wahanaislamika.v4i1.23

Abstract

The existence of interest between principal and agent, hence arises a conflict of interest in management of Syria bank. In order to minimize the conflict, the implementation of GCG can be one of the solutions. Implementation of GCG, which is done consistently and continuously in the end can improve the financial performance of sharia banks. The type of this study is the study of causality with quantitative approach. The number of samples in the study was 13 sharia banks with documentation as their data collection method. Data analysis technique in this research is using a panel data regression method with the help of software Evies version 9. The result of this research indicates that GCG implementation has significant influence to NPF, ROA, and BOPO. The implementation of GCG in this study proved to have no effect on ROE and FDR.
Risiko Pembiayaan Pada Bank Syariah di Indonesia: Tinjauan Atas Pembiayaan Berbasis Bagi Hasil Purwanto, Purwanto; Ramadani, M. Kevin; Fitriyani, Yeny
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 4, No 2 (2020)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v4i2.15439

Abstract

This study aims to analyze how the role of profit-sharing based financing in minimizing non-performing financing at Islamic commercial banks in Indonesia. This type of research is a quantitative approach. The type of data used is secondary data in the form of quarterly periods March 2016-December 2018. Data analysis uses panel data regression analysis consisting of 9 Islamic commercial banks. The results of this study indicate that profit-sharing based financing, namely mudharabah, contributes to the decline in Non-Performance Financing. Meanwhile, profit-sharing based financing with a musyarakah contract contributed to the decline in non-performance financing, but not significantly.
Analysis of factor affecting Islamic commercial bank financing for the agricultural sector in Indonesia Wicaksono, Satrio Arif; Fitriyani, Yeny
Asian Journal of Islamic Management VOLUME 2 ISSUE 2, 2020
Publisher : Faculty of Business & Economics, Universitas Islam Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/ajim.vol2.iss2.art5

Abstract

Purpose: This study aims to analyse the factors that influence Islamic commercial bank financing for the agricultural sector in Indonesia from January 2015 to April 2019.Methodology: Variables used in this study are Agricultural Financing, DPK, NPF, Inflation, Exchange Rates, SBIS, and IPI. The method used in this research is the VAR/VECM method with Impulse Response Function (IRF) analysis and Forecast Error Variance Decomposition (FEVD).Findings: The results show that the variables that significantly influence agricultural financing in the long-term are DPK, Exchange Rate, and IPI. Taking a closer detail, IPI variable has a positive effect, while the DPK and Exchange Rate have a negative effect on agricultural financing. Then NPF, inflation, and SBIS have no effect on agricultural financing in the short and long-term. Based on the results of FEVD, the variable that has the greatest contribution to agricultural financing is DPK compared to Exchange Rate and IPI.Practical applications: Islamic bank directors prioritize efforts to increase funding in order to encourage an increase in the portion of financing in the agricultural sector.Originality: This study examines the effect of financial and macroeconomic performance on mudharabah financing in the short and long term in Indonesia.
PENDAMPINGAN MANAJEMEN WAKTU ANAK PADA MASA NORMAL BARU DI DUSUN DESEKAN KABUPATEN MAGELANG Fitriyah, Fiki; Fitriyani, Yeny; Wafirah, Milna; Labib, Achmad; Rosowulan, Titis
LOGISTA - Jurnal Ilmiah Pengabdian kepada Masyarakat Vol 5 No 1 (2021)
Publisher : Department of Agricultural Product Technology, Faculty of Agricultural Technology, Universitas Andalas Kampus Limau Manis - Padang, Sumatera Barat Indonesia-25163

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25077/logista.5.1.291-298.2021

Abstract

Tatanan Hidup Baru (New Normal) dimasa pandemi COVID-19 memberikan pengalaman yang benar-benar baru bagi dunia pendidikan khususnya siswa Sekolah Dasar (SD) di Indonesia. Kewajiban untuk taat protokoler kesehatan yang salah satu klausulnya adalah tidak berkerumun dan menjauhi krumunan menjadikan kegiatan belajar mengajar sangat tidak biasa. Tidak ada tatapmuka baik dengan guru ataupun teman, semua dilakukan secara daring (online). Hal tersebut membuat pelajar mempunyai waktu luang yang banyak dan cenderung tanpa pengawasan baik dari orang tua maupun guru. Tujuan pengabdian ini adalah untuk mengoptimalkan waktu luang siswa dengan manajemen waktu di masa normal baru. Metode yang digunakan dalam penelitian ini menggunakan metode Participatory Action Research (PAR). Tahapan penting dalam PAR adalah Research (pemetaan masalah), Action (rencana aksi dalam penyelesaian masalah) and Participatory (orang tua dan siswa SD di Desa Desekan). Teknik Pengumpulan data dilakukan dengan observasi, survei, dokumen dan wawancara. Pendampingan diharapakan dapat membantu siswa memahami pentingnya manajemen waktu dengan membuat jadwal kegiatan harian sehingga siswa dapat memanage waktunya dengan efektif dan efisien. Kesimpulan dari pengabdian ini adalah para siswa belum memahami dengan baik mengenai manajemen waktu dan banyak menghabiskan waktu dengan dawai dan bermain yang tidak berhubungan dengan pendidikan. Kata kunci: Tatanan Hidup Baru, COVID-19, Manajemen Waktu, PAR ABSTRACT The New Living Order (New Normal) during the COVID-19 pandemic provided a completely new experience for the world of education, especially elementary school students in Indonesia. The obligation to comply with the Health protocol makes learning without face-to-face either with teachers or friends and everything is done online. This makes students have a lot of free time and tends to be without supervision from either parents or teachers. The aim of this service is to optimize students' free time with time management in the new normal. The method used in this study uses the Participatory Action Research (PAR) method. The important stages in PAR are Research (mapping problems), Action (action plans in solving problems) and Participatory (participation of parents and elementary students in Desekan village). The technique of collecting data was carried out by observation, surveys, documents and interviews. It is hoped that mentoring can help students understand the importance of time management by scheduling daily activities so that students can manage their time effectively and efficiently. The conclusion of this dedication is that the students do not understand well about time management and spend a lot of time with strings and games that are not related to education. Keywords: New Normal, COVID-19, Time Management, PAR
Financing of The Medium, Small and Micro Enterprises Sector By Sharia Banking: Positive Effects on Economic Growth and Negative Effects on Income Inequality Purwanto, Purwanto; Fitriyani, Yeny; Lidasan, Datu Mussolini Sinsuat
IKONOMIKA Vol 6, No 1 (2021)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/febi.v6i1.9439

Abstract

This study aims to find empirical evidence that the financing provided by Islamic banking in Indonesia has a positive effect on economic growth and reduces income inequality. The method used in this study is an analysis of Structural Equation Model PLS using WarpPLS. The analysis shows the empirical evidence that Islamic banking financing of the MSMEs sector has a significant positive effect on economic growth and a significant negative effect on income inequality. Economic growth has also been shown to have a negative effect on inequality. However, the analysis results show that the economic growth is unable to mediate the relationship between financing of the MSMEs sector toward income inequality. This study concludes that financing the MSMEs sector by Islamic banking can increase economic growth in Indonesia and impact reducing people's income. The contribution of this research is that the financing of the MSMEs sector by Islamic banking must be increased because it can increase economic growth and reduce income.