Araştırma Makalesi
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The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?

Yıl 2023, Cilt: 31 Sayı: 58, 145 - 160, 26.10.2023
https://doi.org/10.17233/sosyoekonomi.2023.04.07

Öz

This research aimed to analyse the moderating impact of non-performing financing on the effect of the distribution of murabahah financing and ijarah financing on the return on assets of Islamic microfinance institutions. The research method used was quantitative, using regression panel data. As for the research results, it is known that ijarah financing has no significant effect on increasing the return on assets of Islamic microfinance institutions. Meanwhile, murabahah financing positively and significantly affects increasing return on assets. Furthermore, the non-performing financing variable becomes a moderating variable that weakens the relationship between the distribution of ijarah financing and murabahah financing to the return on assets of Islamic microfinance institutions. The novelty of this study is to link the quality of the funding with the financial performance of Islamic microfinance institutions during the COVID-19 pandemic.

Kaynakça

  • Adnan, M.A. & S.R. Ajija (2015), “The effectiveness of baitul maal wat tamwil in reducing poverty the case of Indonesian Islamic microfinance institution”, Humanomics, 31(2), 160-182.
  • Aidara, S. et al. (2021), “Competitive advantages of the relationship between entrepreneurial competencies and economic sustainability performance”, Sustainability, 13(2), 1-19.
  • Akram Laldin, M. & H. Furqani (2013), “Developing Islamic finance in the framework of maqasid al-Shari’ah: Understanding the ends (maqasid) and the means (wasa’il)”, International Journal of Islamic and Middle Eastern Finance and Management, 6(4), 278-289.
  • Alhammadi, S. (2022), “Analyzing the Role of Islamic Finance in Kuwait Regarding Sustainable Economic Development in COVID-19 Era”, Sustainability, 14(2), 1-11.
  • Alkhan, A.M. & M.K. Hassan (2021), “Does Islamic microfinance serve maqāsid al-shari’a?”, Borsa Istanbul Review, 21(1), 57-68.
  • Arafah, W. & L. Nugroho (2016), “Maqhashid Sharia in Clean Water Financing Business Model at Islamic Bank”, International Journal of Business and Management Invention (IJBMI), 5(2), 22-32.
  • Astohar, A. (2014), “Pengaruh Net Interest Margin (Nim) Terhadap Perubahan Laba Pada Bpd Di Indonesia Dengan Non Performing Loan (Npl) Sebagai Variabel Moderating”, Jurnal Ilmu Manajemen Dan Akuntansi Terapan (JIMAT), 5(1), 35-47.
  • Azmi, F. (2021), “Ini Penyebab Kasus Kematian COVID-19 Jatim Tertinggi Nasional”, Detiknews, <https://news.detik.com/berita-jawa-timur/d-5613187/ini-penyebab-kasus-kematian-covid-19-jatim-tertinggi-nasional?_ga=2.237020802.382443445.1643664039-1043893707.1643664039>, 28.02.2023.
  • Badawi, A. et al. (2021), “Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)”, Business, Economics and Management Research Journal, 4(2), 81-92.
  • Bayu, D.J. (2020), “6 Sektor Usaha Paling Terdampak saat Pandemi Corona”, Databoks, <https://databoks.katadata.co.id/datapublish/2020/09/15/6-sektor-usaha-paling-terdampak-saat-pandemi-corona>, 28.02.2023.
  • Beisland, L.A. et al. (2019), “The Commercialization of the Microfinance Industry: Is There a ‘Personal Mission Drift’ Among Credit Officers?”, Journal of Business Ethics, 158(1), 119-134.
  • Belitski, M. et al. (2022), “Economic effects of the COVID-19 pandemic on entrepreneurship and small businesses”, Small Business Economics, 58(2), 593-609.
  • Bressan, A. et al. (2021), “Confronting the unprecedented: micro and small businesses in the age of COVID-19”, International Journal of Entrepreneurial Behaviour and Research, 27(3), 799-820.
  • Bukit, I.N.H. & A.G. Anggono (2013), “The Effect of Price to Book Value (PBV), Dividend Payout Ratio (DPR), Return on Equity (ROE), Return on Asset (ROA), and Earning Per Share (EPS) Toward Stock Return of LQ 45 for the Period of 2006-2011”, Review of Integrative Business and Economics Research, 2(2), 22-43.
  • Bumacov, V. et al. (2017), “Credit scoring: A historic recurrence in microfinance”, Strategic Change, 26(6), 543-554.
  • Chang, C.-L. et al. (2020), “Risk and Financial Management of COVID-19 in Business, Economics and Finance”, Journal of Risk and Financial Management, 13(5), 102.
  • Edriyanti, R. et al. (2020), “Analysis of the Effect of Mudharabah, Musyarakah, Murabahah and NPF Financing on ROA (Case Study of BPRS in Indonesia)”, Jurnal Nisbah, 6(2), 63-74.
  • Fianto, B.A. et al. (2018), “Equity financing and debt-based financing: Evidence from Islamic microfinance institutions in Indonesia”, Pacific Basin Finance Journal, 52(August), 163-172.
  • Gunawan, A. & D. Banjarnahor (2019), Perjalanan Panjang BRI Bersama NKRI, CNBC Indonesia.
  • Ihwanudin, N. et al. (2020), “Pengantar Perbankan Syariah (Konsep, Regulasi & Praktis)”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Imaduddin, A.H. et al. (2023), “Analisa Ekspor Minyak Kelapa Sawit Indonesia dan Isu Pembatasan Penggunaan Produk Minyak Kelapa Sawit oleh Uni Eropa”, Trending: Jurnal Manajemen Dan Ekonomi, 1(3), 163-181.
  • Imani, S. et al. (2022), Dasar-Dasar Ekonomi Islam, Global Eksekutif Teknologi.
  • Irwansyah, R. et al. (2021), “Marketing Digital Usaha Mikro”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Karyanto, B. et al. (2021), “Pengantar Ekonomi Syariah”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Koren, M. & R. Pető (2020), “Business disruptions from social distancing”, PLoS ONE, 15(9), 1-14.
  • Latifa, S. & W.G. Putranto (2021), Sebaran Kasus Corona 17 September 2021: Jatim Tertinggi 427 Kasus, DKI Jakarta Urutan ke-7 - Halaman all, <https://www.tribunnews.com/corona/2021/09/17/sebaran-kasus-corona-17-september-2021-jatim-tertinggi-427-kasus-dki-jakarta-urutan-ke-7?page=all>, 28.02.2023.
  • Matoenji, E.Y. et al. (2021), “Determinasi Pertumbuhan Laba Bank Syariah Berdasarkan Aspek Pembiayaan UMKM, Jumlah Outlet dan Kualitas Pembiayaan”, Sistem Informasi, Keuangan, Auditing Dan Perpajakan (SIKAP), 6(1), 125-140.
  • Muniarty, P. et al. (2020), Manajemen Perbankan, <www.penerbitwidina.com>, 28.02.223.
  • Muniarty, P. et al. (2021), “Kewirausahaan”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Nik Azman, N.H. et al. (2021), “The Significance of Islamic Social Finance in Stabilising Income for Micro-Entrepreneurs During the Covid-19 Outbreak”, Journal of Islamic Monetary Economics and Finance, 7(1), 115-136.
  • Nugroho, L. & D. Tamala (2018), “Persepsi pengusaha umkm terhadap peran bank syariah”, Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), 49-62.
  • Nugroho, L. & E. Nugraha (2020), “The Role of Islamic Banking and E-Commerce for The Development of Micro, Small, and Medium Entrepreneur Businesses”, Business, Economics and Management Research Journal - BEMAREJ, 3(1), 11-24.
  • Nugroho, L. (2014), “Challenges Sharia Microfinance Institutions: Evidence from Indonesia”, European Journal of Islamic Finance, 1, 1-6.
  • Nugroho, L. (2015), “Islamics Principles versus Green Microfinance”, European Journal of Islamic Finance, 3, 1-10.
  • Nugroho, L. (2022), “Akad Murabahah”, in: Akad-Akad Bank Syariah (1-15), FEBI IAIN Lhokseumawe.
  • Nugroho, L. et al. (2017), “The challenges of microfinance institutions in empowering micro and small entrepreneur to implementating green activity”, International Journal of Energy Economics and Policy, 7(3), 66-73.
  • Nugroho, L. et al. (2020), “Microeconomics and Tawhid String Relation Concept (TSR)”, International Journal of Economics and Business Administration (IJEBA), 8(3), 293-306.
  • Nugroho, L. et al. (2021), “Comparative Analysis of The Effect of Loan/Financing To Deposit Ratio, Labor Costs Growth and Promotion Costs Growth to Returns on Assets in Islamic Banks and Conventional Banks in Indonesia”, International Journal of Commerce and Finance, 7(2), 21-49.
  • Nugroho, L. et al. (2022), “Intermediary strategy impact to return on asset in Covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)”, Business, Economics and Management Research Journal - BEMAREJ, 5(3), 157-168.
  • Nugroho, L. et al. (2022), “Islamic Bank Profitability: Financing Micro and Small Segment, Promotion, Financing Quality, Labor Aspects (Indonesia Cases)”, European Journal of Islamic Finance, 9(3), 38-46.
  • Nugroho, L. et al. (2022), Lembaga Keuangan Syariah Dari Konsep Ke Praktik, Widina Bhakti Persada.
  • Octaviano, A. & K. Hidayat (2022), Koperasi di Indonesia juga ikut terpukul pandemi Covid-19, <https://keuangan.kontan.co.id/news/koperasi-di-indonesia-juga-ikut-terpukul-pandemi-covid-19>, 28.02.2023.
  • Postelnicu, L. et al. (2019), “External Social Ties and Loan Repayment of Group Lending Members: A Case Study of Pro Mujer Mexico”, Journal of Development Studies, 55(8), 1784-1798.
  • Rahim Abdul Rahman, A. (2010), “Islamic microfinance: An ethical alternative to poverty alleviation”, Humanomics, 26(4), 284-295.
  • Rizky, I.M. & Azib (2021), “Pengaruh Pembiayaan Mudharabah, Murabahah dan Musyarakah terhadap Return On Assets”, Jurnal Riset Manajemen Dan Bisnis, 1(1), 16-24.
  • Rosita Butarbutar, R. et al. (2021), “Pengantar Pariwisata”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Salsabilah, S. et al. (2023), “Kajian Penyaluran Dan Penggunaan Program Keluarga Harapan (PKH) (Studi Kasus pada Kelurahan Pekayon Jaya Kecamatan Bekasi Selatan)”, Jurnal Economina, 2(6), 1193-1202.
  • Santia, T. (2020), Imbas Pandemi, Lembaga Keuangan Mikro Alami Dobel Krisis, <https://www.merdeka.com/uang/imbas-pandemi-lembaga-keuangan-mikro-alami-dobel-krisis.html>, 28.02.2023.
  • Saputra, D. (2021), Survei BI : 87,5 Persen UMKM Indonesia Terdampak Pandemi Covid-19, <https://ekonomi.bisnis.com/read/20210319/9/1370022/survei-bi-875-persen-umkm-indonesia-terdampak-pandemi-covid-19>, 28.02.2023.
  • Sudarsono, H. (2009), “Dampak Krisis Keuangan Global terhadap Perbankan di Indonesia: Perbandingan antara Bank Konvensional dan Bank Syariah”, La_Riba, 3(1), 12-23.
  • Suprapty, R. et al. (2021), Perbankan: Hasil pemikiran dari Para Dosen Berbagai Perguruan Tinggi di Indonesia, in: B.A. Sumitro et al. (eds.), Second, Issue April, Sihsawit Labuhan Batu.
  • Utami, A.D. et al. (2021), “Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger”, Jurnal Manajemen Dan Keuangan (JMK), 10(2), 181-207.
  • Van Assche, A. & S. Lundan (2020), “From the editor: COVID-19 and international business policy”, Journal of International Business Policy, 3(3), 273-279.
  • Wette, H.C. (1983), “Collateral in Credit Rationing in Markets with Imperfect Information: Note”, The American Economic Review, 73(3), 442-445.
  • Wijanarko, F.N. et al. (2023), “Analysis of the Influence of Profit Sharing, Ijarah and NPF Financing on the Profitability of Sharia Business Units in Indonesia”, Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 9(1), 1-16.
  • Wulandari, P. et al. (2016), “Unique aspects of the Islamic microfinance financing process: Experience of Baitul Maal Wa Tamwil in Indonesia”, Humanomics, 32(3), 230-247.

COVİD-19 Pandemisinde İslâmî Mikro Finans Kurumlarının Performansı: Varlık Kalitesi Önemli mi?

Yıl 2023, Cilt: 31 Sayı: 58, 145 - 160, 26.10.2023
https://doi.org/10.17233/sosyoekonomi.2023.04.07

Öz

Bu araştırmanın amacı, murabaha finansmanı ve icare finansmanının İslâmî mikro finans kurumlarının aktif kârlılığı üzerindeki etkisini analiz etmektir. Panel veriler kullanılarak bir regresyon analizi yapılmıştır. Araştırma sonuçlarına göre, icare finansmanının İslâmî mikro finans kurumlarının varlık getirisini artırmada önemli bir etkisi olmadığı görülmüştür. Öte yandan, murabaha finansmanının aktif kârlılığını artırmada pozitif ve anlamlı bir etkisi vardır. Ayrıca, takipteki finansman değişkeni, icare finansmanı ve murabaha finansmanının dağılımı ile İslâmî mikro finans kurumlarının varlık getirisi arasındaki ilişkiyi zayıflatan ılımlı bir değişken haline gelmektedir. Bu araştırma, COVİD-19 salgını sırasındaki finansman kalitesi ile İslâmî mikro finans kurumlarının finansal performansı arasındaki ilişkiyi açıklayarak literatüre katkı sağlamaya çalışmaktadır.

Kaynakça

  • Adnan, M.A. & S.R. Ajija (2015), “The effectiveness of baitul maal wat tamwil in reducing poverty the case of Indonesian Islamic microfinance institution”, Humanomics, 31(2), 160-182.
  • Aidara, S. et al. (2021), “Competitive advantages of the relationship between entrepreneurial competencies and economic sustainability performance”, Sustainability, 13(2), 1-19.
  • Akram Laldin, M. & H. Furqani (2013), “Developing Islamic finance in the framework of maqasid al-Shari’ah: Understanding the ends (maqasid) and the means (wasa’il)”, International Journal of Islamic and Middle Eastern Finance and Management, 6(4), 278-289.
  • Alhammadi, S. (2022), “Analyzing the Role of Islamic Finance in Kuwait Regarding Sustainable Economic Development in COVID-19 Era”, Sustainability, 14(2), 1-11.
  • Alkhan, A.M. & M.K. Hassan (2021), “Does Islamic microfinance serve maqāsid al-shari’a?”, Borsa Istanbul Review, 21(1), 57-68.
  • Arafah, W. & L. Nugroho (2016), “Maqhashid Sharia in Clean Water Financing Business Model at Islamic Bank”, International Journal of Business and Management Invention (IJBMI), 5(2), 22-32.
  • Astohar, A. (2014), “Pengaruh Net Interest Margin (Nim) Terhadap Perubahan Laba Pada Bpd Di Indonesia Dengan Non Performing Loan (Npl) Sebagai Variabel Moderating”, Jurnal Ilmu Manajemen Dan Akuntansi Terapan (JIMAT), 5(1), 35-47.
  • Azmi, F. (2021), “Ini Penyebab Kasus Kematian COVID-19 Jatim Tertinggi Nasional”, Detiknews, <https://news.detik.com/berita-jawa-timur/d-5613187/ini-penyebab-kasus-kematian-covid-19-jatim-tertinggi-nasional?_ga=2.237020802.382443445.1643664039-1043893707.1643664039>, 28.02.2023.
  • Badawi, A. et al. (2021), “Islamic bank performance: Does low-cost fund and labor cost affect it? (Empirical cases in Bank Syariah Mandiri-Indonesia)”, Business, Economics and Management Research Journal, 4(2), 81-92.
  • Bayu, D.J. (2020), “6 Sektor Usaha Paling Terdampak saat Pandemi Corona”, Databoks, <https://databoks.katadata.co.id/datapublish/2020/09/15/6-sektor-usaha-paling-terdampak-saat-pandemi-corona>, 28.02.2023.
  • Beisland, L.A. et al. (2019), “The Commercialization of the Microfinance Industry: Is There a ‘Personal Mission Drift’ Among Credit Officers?”, Journal of Business Ethics, 158(1), 119-134.
  • Belitski, M. et al. (2022), “Economic effects of the COVID-19 pandemic on entrepreneurship and small businesses”, Small Business Economics, 58(2), 593-609.
  • Bressan, A. et al. (2021), “Confronting the unprecedented: micro and small businesses in the age of COVID-19”, International Journal of Entrepreneurial Behaviour and Research, 27(3), 799-820.
  • Bukit, I.N.H. & A.G. Anggono (2013), “The Effect of Price to Book Value (PBV), Dividend Payout Ratio (DPR), Return on Equity (ROE), Return on Asset (ROA), and Earning Per Share (EPS) Toward Stock Return of LQ 45 for the Period of 2006-2011”, Review of Integrative Business and Economics Research, 2(2), 22-43.
  • Bumacov, V. et al. (2017), “Credit scoring: A historic recurrence in microfinance”, Strategic Change, 26(6), 543-554.
  • Chang, C.-L. et al. (2020), “Risk and Financial Management of COVID-19 in Business, Economics and Finance”, Journal of Risk and Financial Management, 13(5), 102.
  • Edriyanti, R. et al. (2020), “Analysis of the Effect of Mudharabah, Musyarakah, Murabahah and NPF Financing on ROA (Case Study of BPRS in Indonesia)”, Jurnal Nisbah, 6(2), 63-74.
  • Fianto, B.A. et al. (2018), “Equity financing and debt-based financing: Evidence from Islamic microfinance institutions in Indonesia”, Pacific Basin Finance Journal, 52(August), 163-172.
  • Gunawan, A. & D. Banjarnahor (2019), Perjalanan Panjang BRI Bersama NKRI, CNBC Indonesia.
  • Ihwanudin, N. et al. (2020), “Pengantar Perbankan Syariah (Konsep, Regulasi & Praktis)”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Imaduddin, A.H. et al. (2023), “Analisa Ekspor Minyak Kelapa Sawit Indonesia dan Isu Pembatasan Penggunaan Produk Minyak Kelapa Sawit oleh Uni Eropa”, Trending: Jurnal Manajemen Dan Ekonomi, 1(3), 163-181.
  • Imani, S. et al. (2022), Dasar-Dasar Ekonomi Islam, Global Eksekutif Teknologi.
  • Irwansyah, R. et al. (2021), “Marketing Digital Usaha Mikro”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Karyanto, B. et al. (2021), “Pengantar Ekonomi Syariah”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Koren, M. & R. Pető (2020), “Business disruptions from social distancing”, PLoS ONE, 15(9), 1-14.
  • Latifa, S. & W.G. Putranto (2021), Sebaran Kasus Corona 17 September 2021: Jatim Tertinggi 427 Kasus, DKI Jakarta Urutan ke-7 - Halaman all, <https://www.tribunnews.com/corona/2021/09/17/sebaran-kasus-corona-17-september-2021-jatim-tertinggi-427-kasus-dki-jakarta-urutan-ke-7?page=all>, 28.02.2023.
  • Matoenji, E.Y. et al. (2021), “Determinasi Pertumbuhan Laba Bank Syariah Berdasarkan Aspek Pembiayaan UMKM, Jumlah Outlet dan Kualitas Pembiayaan”, Sistem Informasi, Keuangan, Auditing Dan Perpajakan (SIKAP), 6(1), 125-140.
  • Muniarty, P. et al. (2020), Manajemen Perbankan, <www.penerbitwidina.com>, 28.02.223.
  • Muniarty, P. et al. (2021), “Kewirausahaan”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Nik Azman, N.H. et al. (2021), “The Significance of Islamic Social Finance in Stabilising Income for Micro-Entrepreneurs During the Covid-19 Outbreak”, Journal of Islamic Monetary Economics and Finance, 7(1), 115-136.
  • Nugroho, L. & D. Tamala (2018), “Persepsi pengusaha umkm terhadap peran bank syariah”, Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan), 3(1), 49-62.
  • Nugroho, L. & E. Nugraha (2020), “The Role of Islamic Banking and E-Commerce for The Development of Micro, Small, and Medium Entrepreneur Businesses”, Business, Economics and Management Research Journal - BEMAREJ, 3(1), 11-24.
  • Nugroho, L. (2014), “Challenges Sharia Microfinance Institutions: Evidence from Indonesia”, European Journal of Islamic Finance, 1, 1-6.
  • Nugroho, L. (2015), “Islamics Principles versus Green Microfinance”, European Journal of Islamic Finance, 3, 1-10.
  • Nugroho, L. (2022), “Akad Murabahah”, in: Akad-Akad Bank Syariah (1-15), FEBI IAIN Lhokseumawe.
  • Nugroho, L. et al. (2017), “The challenges of microfinance institutions in empowering micro and small entrepreneur to implementating green activity”, International Journal of Energy Economics and Policy, 7(3), 66-73.
  • Nugroho, L. et al. (2020), “Microeconomics and Tawhid String Relation Concept (TSR)”, International Journal of Economics and Business Administration (IJEBA), 8(3), 293-306.
  • Nugroho, L. et al. (2021), “Comparative Analysis of The Effect of Loan/Financing To Deposit Ratio, Labor Costs Growth and Promotion Costs Growth to Returns on Assets in Islamic Banks and Conventional Banks in Indonesia”, International Journal of Commerce and Finance, 7(2), 21-49.
  • Nugroho, L. et al. (2022), “Intermediary strategy impact to return on asset in Covid-19 pandemics: Islamic bank vs conventional bank (Indonesia empirical cases)”, Business, Economics and Management Research Journal - BEMAREJ, 5(3), 157-168.
  • Nugroho, L. et al. (2022), “Islamic Bank Profitability: Financing Micro and Small Segment, Promotion, Financing Quality, Labor Aspects (Indonesia Cases)”, European Journal of Islamic Finance, 9(3), 38-46.
  • Nugroho, L. et al. (2022), Lembaga Keuangan Syariah Dari Konsep Ke Praktik, Widina Bhakti Persada.
  • Octaviano, A. & K. Hidayat (2022), Koperasi di Indonesia juga ikut terpukul pandemi Covid-19, <https://keuangan.kontan.co.id/news/koperasi-di-indonesia-juga-ikut-terpukul-pandemi-covid-19>, 28.02.2023.
  • Postelnicu, L. et al. (2019), “External Social Ties and Loan Repayment of Group Lending Members: A Case Study of Pro Mujer Mexico”, Journal of Development Studies, 55(8), 1784-1798.
  • Rahim Abdul Rahman, A. (2010), “Islamic microfinance: An ethical alternative to poverty alleviation”, Humanomics, 26(4), 284-295.
  • Rizky, I.M. & Azib (2021), “Pengaruh Pembiayaan Mudharabah, Murabahah dan Musyarakah terhadap Return On Assets”, Jurnal Riset Manajemen Dan Bisnis, 1(1), 16-24.
  • Rosita Butarbutar, R. et al. (2021), “Pengantar Pariwisata”, in: M.I. Fasa (ed.), Widina Bhakti Persada Bandung. Widina Bhakti Persada Bandung.
  • Salsabilah, S. et al. (2023), “Kajian Penyaluran Dan Penggunaan Program Keluarga Harapan (PKH) (Studi Kasus pada Kelurahan Pekayon Jaya Kecamatan Bekasi Selatan)”, Jurnal Economina, 2(6), 1193-1202.
  • Santia, T. (2020), Imbas Pandemi, Lembaga Keuangan Mikro Alami Dobel Krisis, <https://www.merdeka.com/uang/imbas-pandemi-lembaga-keuangan-mikro-alami-dobel-krisis.html>, 28.02.2023.
  • Saputra, D. (2021), Survei BI : 87,5 Persen UMKM Indonesia Terdampak Pandemi Covid-19, <https://ekonomi.bisnis.com/read/20210319/9/1370022/survei-bi-875-persen-umkm-indonesia-terdampak-pandemi-covid-19>, 28.02.2023.
  • Sudarsono, H. (2009), “Dampak Krisis Keuangan Global terhadap Perbankan di Indonesia: Perbandingan antara Bank Konvensional dan Bank Syariah”, La_Riba, 3(1), 12-23.
  • Suprapty, R. et al. (2021), Perbankan: Hasil pemikiran dari Para Dosen Berbagai Perguruan Tinggi di Indonesia, in: B.A. Sumitro et al. (eds.), Second, Issue April, Sihsawit Labuhan Batu.
  • Utami, A.D. et al. (2021), “Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger”, Jurnal Manajemen Dan Keuangan (JMK), 10(2), 181-207.
  • Van Assche, A. & S. Lundan (2020), “From the editor: COVID-19 and international business policy”, Journal of International Business Policy, 3(3), 273-279.
  • Wette, H.C. (1983), “Collateral in Credit Rationing in Markets with Imperfect Information: Note”, The American Economic Review, 73(3), 442-445.
  • Wijanarko, F.N. et al. (2023), “Analysis of the Influence of Profit Sharing, Ijarah and NPF Financing on the Profitability of Sharia Business Units in Indonesia”, Jurnal Pemikiran Dan Pengembangan Perbankan Syariah, 9(1), 1-16.
  • Wulandari, P. et al. (2016), “Unique aspects of the Islamic microfinance financing process: Experience of Baitul Maal Wa Tamwil in Indonesia”, Humanomics, 32(3), 230-247.
Toplam 56 adet kaynakça vardır.

Ayrıntılar

Birincil Dil İngilizce
Konular Ekonomi
Bölüm Makaleler
Yazarlar

Oyong Lisa 0000-0003-1963-6319

Lucky Nugroho 0000-0002-9613-1667

Ildiko Orban 0000-0001-7383-2201

Wiwik Utami 0000-0002-2313-3346

Erik Nugraha 0000-0002-0576-4662

Yayımlanma Tarihi 26 Ekim 2023
Gönderilme Tarihi 15 Mart 2023
Yayımlandığı Sayı Yıl 2023 Cilt: 31 Sayı: 58

Kaynak Göster

APA Lisa, O., Nugroho, L., Orban, I., Utami, W., vd. (2023). The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?. Sosyoekonomi, 31(58), 145-160. https://doi.org/10.17233/sosyoekonomi.2023.04.07
AMA Lisa O, Nugroho L, Orban I, Utami W, Nugraha E. The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?. Sosyoekonomi. Ekim 2023;31(58):145-160. doi:10.17233/sosyoekonomi.2023.04.07
Chicago Lisa, Oyong, Lucky Nugroho, Ildiko Orban, Wiwik Utami, ve Erik Nugraha. “The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?”. Sosyoekonomi 31, sy. 58 (Ekim 2023): 145-60. https://doi.org/10.17233/sosyoekonomi.2023.04.07.
EndNote Lisa O, Nugroho L, Orban I, Utami W, Nugraha E (01 Ekim 2023) The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?. Sosyoekonomi 31 58 145–160.
IEEE O. Lisa, L. Nugroho, I. Orban, W. Utami, ve E. Nugraha, “The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?”, Sosyoekonomi, c. 31, sy. 58, ss. 145–160, 2023, doi: 10.17233/sosyoekonomi.2023.04.07.
ISNAD Lisa, Oyong vd. “The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?”. Sosyoekonomi 31/58 (Ekim 2023), 145-160. https://doi.org/10.17233/sosyoekonomi.2023.04.07.
JAMA Lisa O, Nugroho L, Orban I, Utami W, Nugraha E. The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?. Sosyoekonomi. 2023;31:145–160.
MLA Lisa, Oyong vd. “The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?”. Sosyoekonomi, c. 31, sy. 58, 2023, ss. 145-60, doi:10.17233/sosyoekonomi.2023.04.07.
Vancouver Lisa O, Nugroho L, Orban I, Utami W, Nugraha E. The Performance of Islamic Microfinance Institutions in the COVID-19 Pandemic: Is Asset Quality Important?. Sosyoekonomi. 2023;31(58):145-60.