CONVERSION BANK EFFECT: QONUN ACEH DAN KESEJAHTERAAN
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Keywords:
Qonun Aceh, social wellfare, difference in difference
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Abstract
Two phenomena that occurred in Aceh Province after the tsunami disaster, the first phenomenon was a slowdown in poverty reduction in Aceh Province in rural and urban areas and an increase in total assets, financing, third party funds, Islamic banks' people's financing under the pretext of the existence of Aceh Qonun containing conversion Aceh banks from conventional to Islamic. This research tries to relate the two phenomena, how is the influence of the Aceh qonun on the formation of Islamic banks on welfare. This type of research is quasi-experiment with the difference in difference method to analyze the data. The results of this study indicate that someone who has a bank account will tend to increase one's welfare than someone who does not have a bank account. then a person living in Aceh who experienced the treatment of the enactment of Qanun in Aceh actually tends to be less Prosperous than someone who lives outside Aceh. While the combination of financial access and the existence of Aceh qonun will have an impact on people's welfare. The policy implication of this research is the existence of Sharia Qanun which regulates finance in Aceh is not enough to make an increase in welfare, so it needs to be combined with a financial inclusion program in order to bring about an increase in the quality of people's lives.
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CONVERSION BANK EFFECT: QONUN ACEH DAN KESEJAHTERAAN. (2019). I-Finance: A Research Journal on Islamic Finance, 5(2), 141-152. https://doi.org/10.19109/ifinance.v5i2.4909
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I-Finance by http://jurnal.radenfatah.ac.id/index.php/I-Finance is lincensed under a Creative Commons Attribution-ShareAlike 4.0 International Lisence.
How to Cite
CONVERSION BANK EFFECT: QONUN ACEH DAN KESEJAHTERAAN. (2019). I-Finance: A Research Journal on Islamic Finance, 5(2), 141-152. https://doi.org/10.19109/ifinance.v5i2.4909
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Nasuha, A. (2016). Dampak Kebijakan Spin-off Terhadap Kinerja Bank Syariah. Al-Iqtishad: Journal of Islamic Economics, 4(2). https://doi.org/10.15408/aiq.v4i2.2534
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Wulandari, R., & Dzakiroh, H. (2019). DO ISLAMIC MICROFINANCE PRACTISE DESCREASE THE LEVEL OF THREE ASPECTS OF POVERTY ? Jurnal Kajian Ekonomi Dan Bisnis Islam, 12(1).
Aliyu, S. A. (2019, January 1). Realising financial inclusion in Islamic finance (Y. Sani, Ed.). Journal of Islamic Marketing. https://doi.org/10.1108/JIMA-02-2017-0020
Arie, B., Gan, C., Hu, B., & Roudaki, J. (2018). Equity fi nancing and debt-based fi nancing : Evidence from Islamic micro fi nance institutions in Indonesia. Pacific-Basin Finance Journal Journal, 52(September 2017), 163–172. https://doi.org/10.1016/j.pacfin.2017.09.010
Arif, M. Al. (2015). The Effect of Spin-Off Policy on Financing Growth in Indonesian Islamic Banking Industry. Al-Ulum, 15(1), 173. https://doi.org/10.30603/au.v15i1.170
Aulia, C. N. A., & Syahnur, S. (2018). Hubungan antara ukuran kota dan tingkat kemiskinan provinsi aceh. Jurnal Ilmiah Mahasiswa (JIM) Ekonomi Pembangunan Fakultas Ekonomi Dan Bisnis Unsyiah, 3(4), 825–834.
Authors, F. (2010). Impact of microfinance of IBBL on the rural poor ’ s livelihood in Bangladesh : an empirical study. https://doi.org/10.1108/17538391011054390
Dusuki, & Abdullah. (2006). The Ideal of Islamic Banking: Chasing a Mirage. INCEIF Islamic Banking and Finance Educational Colloquium, Kuala Lumpur, 3rd–5th April. Gallardo,.
Lance, P., Guilkey, D., Hattori, A., & Angeles, G. (2014). READ How Do We Know If a Program Made a Difference? A Guide to Statistical Methods for Program Impact Evaluation.
Masittah, E., & Nasir, M. (2018). Pengaruh belanja publik terhadap kemiskinan dan kriminalitas kebupaten/kota di provinsi aceh. JurnaI Lmiah Mahasiswa (JIM) Ekonomi Pembangunan Fakultas Ekonomi Dan Bisnis Unsyiah, 3(3), 539–546.
Masyithah1, N., & Nasir, M. (2018). Pengaruh Belanja Langsung Dan Ipm Terhadap Kemiskinan Di Provinsi Aceh. Jurnal Ilmiah Mahasiswa (JIM) Ekonomi Pembangunan Fakultas Ekonomi Dan Bisnis Unsyiah, 3(4), 547–554.
Mustika, F. N., Setyowati, E., & Harun. (2019). Analisis Pengaruh ZIS (Zakat, Infaq, dan Shadaqah),Produk Domestik Regional Bruto, Upah Minimum Regional dan Inflasi terhadap Tingkat Kemiskinan di Indonesia Tahun 2012 – 2016. Universitas Muhammadiyah Surakarta.
Nasuha, A. (2016). Dampak Kebijakan Spin-off Terhadap Kinerja Bank Syariah. Al-Iqtishad: Journal of Islamic Economics, 4(2). https://doi.org/10.15408/aiq.v4i2.2534
Nizar, S. (2015). Consumer attitudes and purchase intentions toward Islamic banks: the influence of religiosity. International Journal of Bank Marketing, 33(2), 143–161. https://doi.org/10.1108/IJBM-10-2013-0115
Rahman, M. M. (2010). Islamic micro-finance programme and its impact on rural poverty alleviation. 7(1).
Samer, S., Razali, A. A. R. M., & Rashid, N. (2017). The Effect of Microcredit on Women Empowerment in Welfare and Decisions Making in Malaysia. Social Indicators Research. https://doi.org/10.1007/s11205-017-1632-2
Setiadi, T. P. W., Al Kautsar1, S., Indra, L., & Hanggraeni, D. (2019). PENGARUH KONVERSI BANK KONVENSIONAL MENJADI BANK SYARIAH TERHADAP RISIKO KEBANGKRUTAN STUDI KASUS PADA BANK ACEH. E-Jurnal Ekonomi Dan Bisnis Universitas Udayana, 550. https://doi.org/10.24843/EEB.2019.v08.i06.p02
Wulandari, R., & Dzakiroh, H. (2019). DO ISLAMIC MICROFINANCE PRACTISE DESCREASE THE LEVEL OF THREE ASPECTS OF POVERTY ? Jurnal Kajian Ekonomi Dan Bisnis Islam, 12(1).