Perbandingan Pembiayaan Bank Muamalat Indonesia Sebelum dan Sesudah Pandemi Covid-19

Authors

  • Budi Suharto Sekolah Tinggi Agama Islam (STAI) Ma’arif Kalirejo, Lampung Tengah, Indonesia, Indonesia
  • Muhammad Wardani Anwar
  • Fauzi Fauzi
  • Hendra Novian

DOI:

https://doi.org/10.29040/jiei.v9i3.11354

Abstract

The impact of Covid-19 on the movement of financing values, many have experienced a decline, including Bank Muamalat Indonesia. Before and during the Covid-19 pandemic, all financing values classified as productive assets at Bank Muamalat Indonesia experienced turmoil in their intermediary function which tended to decline. Changes that occur in the value of financing are a reflection of the performance of Bank Muamalat Indonesia itself and are a response to various external factors in Indonesia. This research formulated other problems, 1) How was the movement of financing products before the Covid-19 pandemic at Bank Muamalat Indonesia? 2) How was the movement of financing products during the Covid-19 pandemic at Bank Muamalat Indonesia? 3) Were there significant differences in financing products before and during the Covid-19 pandemic at Bank Muamalat Indonesia? The sampling technique used was purposive sampling. The amount of financing sampled in this study is limited to murabahah, istisna, qardh, mudharabah, musyarakah, and ijarah financing. The analytical method used is descriptive comparative analysis with data processing using the SPSS 25 program. In this study, the results obtained based on the paired sample t-test differed that there were significant differences in murabahah, istisna', qardh, musyarakah financing with successive values of 0.000, 0.000, 0.011, 0.045 and there were no significant differences in mudharabah financing before and during the Covid-19 pandemic with a value of 0.455. Meanwhile, the results of the Wilcoxon signed rank test for ijarah financing with a value of 0.028 indicate that there were significant differences before and during the Covid-19 pandemic at Bank Muamalat Indonesia.

References

Khofidlotur Rofi‘ah dan Alvira Aina A‘yun, “Faktor-Faktor Non-Performing Financing (NPF) di Bank Umum Syariah Indonesia,†Jurnal Ekonomi 24, no. 3 (2020):

Ahmad Ulil Albab Al Umar dan Slamet Haryono, “Kinerja Keuangan Bank Syariah: Perbandingan Studi dari Indonesia, Malaysia, Arab Saudi dan United Emirates Arab,†Owner: Riset & Jurnal Akuntansi 6, no. 2 (2022): 1831, https://doi.org/https://doi.org/10.33395/owner.v6i2.

Arzal Syah dan Andrianto, “Analisis Komparatif Kinerja Keuangan Bank Muamalat Indonesia Sebelum dan Selama Pandemi Covid-19,†Jurnal Manajemen Perbankan Keuangan Nitro 5, no. 2 (2022):

Gustika Nurmalia and Alhadi Kurnia Thoyib, “Analisis Komparasi Harga Saham Perusahaan yang Terdaftar di Jakarta Islamic Index 70 Sebelum dan Pada Saat Pandemi Covid-19,†Al - Mashrof: Islamic Banking and Finance 3, no. 1 (2022):

http://ejournal.radenintan.ac.id/index.php/almashrof.

R. Edward Freeman, Strategic Management: A Stakeholders Approach (Boston: Fitman, 1984),

Michael C. Jensen dan William H. Meckling, “Theory of the Firm: Managerial Behavior, Agency Costs and Ownership Structure,†Jurnal Ekonomi Keuangan 3, no. 4 (1976):

Oyelere P. F. Laswad and R. Fisher, “Determinants of Internet Financial Reporting by Newzealand Companies,†Journal of International Financial Management and Accounting 14 (2003): 26–62.

Citra Intan Purnama Sari and Sulaeman, “Pengaruh Pembiayaan Murabahah, Pembiayaan Mudharabah dan Pembiayaan Musyarakah Terhadap Profitabilitas,†Al Maal : Journal of Islamic Economics and Banking 2, no. 2 (2021): 163, https://doi.org/10.31000/almaal.v2i2.3111.

Chasanah Novambar Andiyansari, “Akad Mudharabah dalam Perspektif Fikih dan Perbankan Syariah,†Śaliĥa 3, no. 2 (2020): 49,

http://www.staitbiasjogja.ac.id/jurnal/index.php/saliha/article/view/80.

Nurul Hidayah Nasution et al., “Gambaran Pengetahuan Masyarakat Tentang Pencegahan Covid-19 di Kecamatan Padangsidimpuan Batunadua, Kota Padangsidimpuan,†Jurnal Kesehatan Ilmiah Indonesia 6, no. 1 (2021): 112.

Jovie Wijaya, “Analisis Perbandingan Kinerja Keuangan dengan Menggunakan Metode RGEC Sebelum dan Sesudah Go Public (Studi Pada Bank Panin Dubai Syariah Periode 2011-2016)†(Universitas Islam Negeri Raden Intan Lampung, 2018), 46.

Agung Anggoro Seto et al., “Pandemi Covid 19 dan Dampaknya Terhadap Profil Risiko dan Profitabilitas Perbankan Syariah di Indonesia†8, no. 03 (2022): 3714, https://jurnal.stie-aas.ac.id/index.php/jie.

Nuryanto dan Zulfikar Bagus Pambuko, Eviews untuk Analisis Ekonometrika Dasar: Aplikasi dan Interpretasi (Magelang: UNIMMA PRESS, 2018), 20.

Imam Ghozali, Aplikasi Analisis Multivariat dengan Program IBM SPSS (Yogyakarta: Penerbit Universitas Diponegoro, 2012), 160.

Maria J.F. Esomar, “Analisa Dampak Covid-19 Terhadap Kinerja Keuangan Perusahaan Pembiayaan di Indonesia,†Jurnal Bisnis, Manajemen dan Ekonomi 2, no. 2 (2021): 25.

Afkar and Purwanto, “Penyaluran Dana Bank Syariah Melalui Pembiayaan Murabahah, Istishna, dan Ijarah Sebelum dan Selama Pandemi Covid 19.â€

Taudlikhul Afkar and Teguh Purwanto, “Penyaluran Dana Bank Syariah Melalui Pembiayaan Murabahah, Istishna, dan Ijarah Sebelum dan Selama Pandemi Covid 19,†Jurnal Ilmiah Ekonomi Islam 7, no. 2 (2021): 906, https://doi.org/10.29040/jiei.v7i2.2423.

Didik Gunawan, Saparuddin Siregar, Indriana Febrianti, dan Sugianto “Analisis Komparasi Kinerja Pembiayaan Bank Umum Syariah dan Unit Usaha Syariah di Indonesia,†in SAINTEKS (Medan: Green Press, 2020), 694.

Asbi Amin dan Ibrahim, “Telaah Aspek Pembiayaan dan Kinerja Keuangan Syariah pada Bank Umum Syariah di Indonesia,†JUA : Journal Of Unicorn Adpertisi 1, no. 1 (2022): 35–36, https://jurnal.adpertisi.or.id/index.php/jua.

Taudlikhul Afkar and Teguh Purwanto, “Penyaluran Dana Bank Syariah Melalui Pembiayaan Murabahah, Istishna, dan Ijarah Sebelum dan Selama Pandemi Covid 19,†Jurnal Ilmiah Ekonomi Islam 7, no. 2 (2021): 906,

https://doi.org/10.29040/jiei.v7i2.2423.

Downloads

Published

20-11-2023

How to Cite

Suharto, B., Anwar, M. W., Fauzi, F., & Novian, H. (2023). Perbandingan Pembiayaan Bank Muamalat Indonesia Sebelum dan Sesudah Pandemi Covid-19. Jurnal Ilmiah Ekonomi Islam, 9(3), 3874–3890. https://doi.org/10.29040/jiei.v9i3.11354

Citation Check

Most read articles by the same author(s)