Purpose -This study aims to analyze the effect of stability, size, financial performance and macroeconomic variables on the profitability of Islamic Rural Banks (BPRS) in Indonesia.Methodology -This study uses panel data consisting of 82 BPRS from December 2012 to December 2018. This study uses a dynamic model using GMM (General Method of Moments) developed by Arellano & Bover (1995) and Blundell & Bond (1998). GMM is used to describe the actual conditions in the analysis of profitability of Islamic Rural Banks.Findings -The findings of this study indicate that the stability and size of the BPRS have a negative effect on the level of ROA and ROE. Further, BAC has a positive effect on ROA but it has a negative effect on ROE. While the deposit structure (DS) is found to have a positive effect on ROA and ROE, FDR and the total deposit (DAR) is found to have a positive effect on both ROA and ROE. Meanwhile, the capital structure does not show a significant value on ROA. On the other hand, economic growth (GDP) and inflation (INF) do not show a significant relationship to ROA, but inflation is positively related to ROE.Originality -This study is to determine the effect of the stability and the size of BPRS on its profitability. This study uses 6 models to obtain a consistent variation of variables in influencing profitability.
The purpose of this research is to uncover the uniqueness of Beneffit, Opportunity, Cost and Risk (BOCR) from arisan majelis ta’lim in supporting the sustainability of Sharia Micro Financial Institution (SMFI). Benefit and Opportunity need to be known as the positive side of the arisan majelis ta’lim in SMFI, while the Cost and Risk needs to be known to see the negative side. To reveal the uniqueness of BOCR methodology is done byusing the methodology of ANP BOCR problem decomposition. Decomposition of the problem is done by surveying to arisan majelis ta’lim in Bogor city and also indepth interview to practitioners of arisan majelis ta’lim and SMFI practitioners. The result of the research shows several Benefits that can be obtained include; increase the number of members, high social capital honesty and integrity typical of “wong cilik†, and low cost. For Opportunity that can be obtained that is; savings fund opportunities, poor empowerment opportunities, microfinance opportunities, and opportunities for increased financing returns. The various costs that must be in the responsibility is; operational costs,empowerment costs, product development costs, and socialization and education costs. While some risks that need to be the attention that is; credit risk, sharia compliance risk, operational risk, and social risk.
The purpose of this study is to reveal various problems application of accounting on Islamic Micro Finance Institutions (IMFI) based grameen. To achieve the study researchers used a methodology Analytical Network Process. Decomposition of the problem conducted by survey-based Grameen IMFI to practitioners as well as in-depth interviews to experts or academicians. Based on the results of the study (decomposition problem) suggests that the problems in the application of accounting-based Grameen IMFI divided into three main clusters, namely the lack of regulation of supporting institutions, the absence of operational standards and minimum operational assistance. The finding of the study suggested that the main problem was on the lack of regulation supporting with the priority number (0.31), followed by problems of lack of operational standards (0.28), and finally the lack of operational assistance (0.14)
Tujuan dari penelitian ini adalah untuk melakukan dekomposisi permasalahan dan solusi kebijakan pengembangan Lembaga Keuangan Mikro (LKM) berbasis grameen. Dalam replikasinya di Indonesia LKM berbasis grameen ini mengalami berbagai modifikasi dan penyesuaian. Yang menjadi menarik adalah ternyata sebagian besar LKM berbasis grameen yang dapat terus bertumbuh dan konsisten dalam memberdayakan fakir miskin di Indonesia adalah model grameen syariah (LKMS). Tentu saja menjadi hal yang bermanfaat untuk dapat mengetahui bagaimana hal tersebut dapat terjadi, akan tetapi sesuatu yang lebih penting dari itu adalah untuk mengetahui bagaimana strategi yang diperlukan agar efek dalam mengentaskan kemiskinan bisa terus dipertahankan dan di tingkatkan.Terdapat banyak sisi yang bisa di gali untuk melihat berbagai penyebab yang menjadikan LKMS berbasis grameen ini dapat terus bertumbuh dan konsisten dalam memberdayakan fakir miskin. Salah satunya adalah pada sisi permasalahan dan solusi kebijakan pengembangan.Untuk menguraikan permasalahan kebijakan likuiditas LKMS berbasis grameen ini, peneliti menggunakan metodologi penelitian ANP-BOCR. Metodologi ANP-BOCR merupakan penelitian analisis kualitatif yang berusaha untuk menangkap suatu nilai atau pandangan yang diwakili para praktisi dan pakar melalui Survei, wawancara, FGD dan studi literatur sebagai sumber data untuk penyusunan kerangka model ANP. Metodologi ini kami pilih karena kesesuaianya dengan rumusan permasalahan, dapat menghasilkan tingkatan prioritas dari masing-masing kebijakan dan juga dapat memberikan informasi yang lebih lengkap melalui indepth interview dan FGD dengan para Pakar dan Praktisi. Adapun obyek penelitian ini adalah LKMS berbasis grameen yang tersebar di JABODETABEK.
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