PENGEMBANGAN MODEL PERINGATAN DINI UNTUK PEMBIAYAAN UNIT USAHA KECIL
Keywords:
IslamicBanks,Risk,ANNs, SME,IB/BUS,EWS,CAMELS
Abstract
ABSTRACT
Purpose -The purpose is developing early warning system (EWS) model for small Islamic financing (SMIF) or UMKM by artificial neural networks (ANNs) method as a tool can more usefull for mitigating risk in Islamic bank,(iB/BUS).
Methodology – The analysis consists of three main steps. First step prediction analyzing list risk exposure which is commonly used by Islamic Bank SME product, especially at murobaha aqd by multyvariate regression method. Second is appearance significant risk for identifying as main variables by logistic regression. Third is the implementation of appropriate ANNs model design according to neural networks properties for evaluation based on simulated return predictions/classification of UMKM financing risk model.
Originality – Value in this paper is scarcity theme in EWS development mitigate risk utilizing ANNs method esspecially for Indonesian islamic syaria bank case SME-UMKM.
Findings – It is shown that situasional changes of risk exposure can be predicted and classified quite well. The model provides an alternative for early warning analyzing mitigate risk exposure. Found risk exposure is predicted cause cross reference of data.
Practical Implications- Contribution ANN methodology usage of many variety islamic research bisnis model especially in credit risk granting at iB institution.
Keywords-IslamicBanks,Risk,ANNs, SME,IB/BUS,EWS,CAMELS.
Paper type Research paper ,thesis.
References
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Chengb.P, Queka.C, Tunga, WL. (2003). GenSo-EWS: A Novel Neural-Fuzzy based Early Warning System for Predicting Bank Failures. A Intelligent Systems Laboratory, Nanyang Technological University, School of Computer Engineering, McCoy Circuit Australian National University, Canberra ACT 0200, Australia.
Chapra,U.,(2000). Islam dan Tantangan Ekonomi , Gema Insani Press ,Jakarta, Indonesia.
Darsono, (2017). Memberdayakan Keuangan Micro Syariah Indonesia. Cetakan-1 , Tazkia Publishing.
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Elzahi,A.,Ghafar,A.I.,(2014). The Discussion on Financial Inclusiveness Of The Poor: Beyond Microfinance. first Edition:2014, Jeddah,Saudi Arabia.
Efianingrum,A.,(tanpa tahun). Metode Penelitian Kualitatif dan Kuantitatif. Journal.
Eygu H.,(2017). Determination of Customer Satisfaction in Conservative Concept Hotels by Ordinal Logistic Regression Analysis. Journal of Financial Risk Management, Faculty of Economics, Ataturk University, Erzurum, Turkey.
EWC III,(2006). Developing Early Warning Systems: A Checklist. Third nternational Conference on Early Warning From concept to action, Bonn, Germany.ISDC.
Firdaus, A. (2017). Maslahah Performa, Sistem Manajemen Kinerja Berbasis Maslahah. Edisi ke 2, K-Media Yogyakarta.
Fauzan,(2001). Pengaruh Religiusitas Terhadap Etika Berbisnis. Fakultas Ekonomi Universitas Kanjuruhan Malang.
Gandhi,A., Naik,A.,Thakkar,K., and Ghariwal,M.,(2014). Risk Management in Software Development using Artificial Neurat Networks. International Journal of Computer Aplications, Vol. 93 –N0.19.
Ghazaly,H,A.,(505H). Al Mustashfa Min Ilmil Ushul. Jami’at Islamiah, Madinah.
Huda,N., Edwin,M.,N., Arief,M.M., Sapta,B.U., Setyanto,B.,(20150). EkonomiIslam: Pengenalan Ekslusif. Predana Media, Jakarta.
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Huneiti,H.AL.,(2016). Towards Building an Early Warning Model to Predict the Financial Crises of Jordanian Islamic Banks. College of Business & Finance The World Islamic Sciences & Education University (WISE), Amman, Jordan.
Imanesi, (2013). 16 Jurnal Ekonomi, Manajemen dan Akuntansi Islam, Vol. 1, No. 1, Hlm. 14-24.
Jaribah,A.H,(2006). Fikih Ekonomi Umar bin Khathob. Khalifa,Pustaka Alkautsar, Cipinang,Jakarta Timur,Indonesia.
Jdaitawi,MQ, Eddien,I.N.A., Al-Jayousi, A.M.,(2008). Developing an Early Warning System for Currency Crises: The Case of Jordan 1984-2008. Management Science and Engineering,Faculty of Economics Administrative Sciences, Yarmouk University, Irbid, Jordan; Faculty of Administrative and Financial Sciences, Philadelphia University, Amman, Jordan.
Jimmy,S.,Yuniarto,B.,( 2017). Perbandingan Model Estimasi Artificial Neural Network Optimasi Genetic Algorithm dan Regresi Linier Berganda. Article • August DOI: 10.14710/medstat.10.1.13-23.
Jorion,P.,(2006). Value at Risk,VAR. Mc Grawhill.
Khan, T.,Ahmed, T.,(2001). Risk Management An Analysis Of Issue In Islamic Financial Industry. Occasional Paper No.5, Islamic Research and Training Institute-IDB,Jeddah, Saudi Arabia.
Kudakwashe M. , Mohammed K., ( 2014). Application of Binary Logistic Regression in Assessing Risk Factors Affecting the Prevalence of Toxoplasmosis. American Journal of Applied Mathematics and Statistics, 2014, Science and Education Publishing DOI:10.12691/ Revised October 14, 2014; Accepted November 11, 2014.
Kenneth,A.F., David,S.S., and Jeremy,C.S.,(1993). Risk Management: Coordinating Corporate Investment and Financing Policies. The Journal of Finance, currently published by American Finance Association.Vol. 48, No. 5. pp. 1629-1658.
Kahf,M.,(1992). Islamic Bank and Economic development. IRTI, Handbook of Islamic Banking. chapter 17.
Luger,F.G.,and Stublefield,A.W.,(1993). Artificial Intelligence: Structure and Strategies For Complex Problem Solving. The Benyamin/Cummings Publishing Company, Redwood City California.
Mohammed,F.S., Hayati, N.A., Hasan,A.,(2015). Islamic Entrepreneurship in the Light of Maqasid Al-Shari’ah: A Critical Review. Journal of Social and Development Sciences (ISSN 2221-1152),Vol. 6, No. 4, pp. 6-14, December.
Mohanty,B.K., Bhasker,B.,(2003). Product classification in the Internet business a fuzzy approach. Indian Institute of Management, Off Sitapur Road, Lucknow 226 013, India.
Muslimin, JM., ( ). Filsafat Ekonomi Syariah. Komisi Yudisial.
Marguerite S. Robinson (2001). The Microfinance Revolution Sustainable Finance for the Poor : Lessons from Indonesia The Emerging Industry. The International Bank for Reconstruction and development/The Worls Bank ,Hardvard , NW,Washington, D.C. 20433 USA.
Morduch,J., (1999). The Microfinance Promise. Journal of Economic Literature, Vol. 37, No. 4, pp. 1569-1614.
Obaidullah, Muhammed, Tariqullah,K.,(2008). Islamic Microfinance Development. King Fahd Nasional Library, IDB, Jeddah Kingdom of Saudi Arabia.
Pradhan,B., Lee,S.,(2009). Landslide risk analysis using Artificial neural network model focussing on different training sites. International Journal of Physycal science, Vol.4(1),pp.001-015..
Peter, G. Z. ,(2004). Business Forecasting with Artificial Neural Networks:An Overview. Georgia State University,Hershey PA 17033-1240, USA.
Pisetyadi,A.,(2007), Risiko Intermediasi Keuangan dalam pembentukan Portofolio Pinjaman. Fakultas Ekonomi, Universitas Muhammadiyah Malang.
René, M. S.(1996). Rethinking risk management. At the Annual Meeting of the International Association of Financial Engineers, and at the French Finance Association. Bower Fellow, Harvard Business School.
Rivai,V., Ismail,R.,(2013). Islamic Risk Management For Islamic Bank. Gramedia Pustaka Utama, Kompas Gramedia, Jakarta.Indonesia.
Rudiantoro,R., Veronica,S.,(2012). Kualitas Laporan Keuangan UMKM Serta Prospek Implementasi SAK ETAP. Universitas Indonesia Jurnal Akuntansi dan Keuangan Indonesia, Universitas Indonesia.
Schildt,H., (1993). Artificial Intelligence: Using C. The Benyamin/Cummings Publishing Company, Osborn McGraw-Hill2600Teenth Street,Barkeley California94710,USA.
الرحيم, عبد,الحميد ,الساعات (٢٠١٠),” التأمين الإسلامي: التضامن في تحمل الخطر “;مركز أبحاث الاقتصاد الإسلامي;جامعة الملك عبدالعزيز - جدة - المملكة العربية السعودية .م/ ١٤٣١ ه) ) ٩٣- مجلة جامعة الملك عبدالعزيز: الاقتصاد الإسلامي، م ٢٣ ع ١، ص ص:
Syafii,M.A.,(2001). Bank Syari’ah dari Teori Ke Praktek. Gema Insani Press ,Jakarta, Indonesia.
Salim, A.,(2009). Dinamika Pemikiran Ekonomi Islam. Fakultas Ushuluddin IAIN Sulthan Thaha Saifuddin,Jambi.
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Published
2023-05-01
How to Cite
Azhari, N., & Saiful Anwar. (2023). PENGEMBANGAN MODEL PERINGATAN DINI UNTUK PEMBIAYAAN UNIT USAHA KECIL. Jurnal Ekonomi Syariah Pelita Bangsa, 8(01), 37 - 50. https://doi.org/10.37366/jespb.v8i01.726
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Articles
