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Analisis Faktor Internal dan Eksternal Bank Terhadap Penyaluran Kredit Bank Umum Swasta Ibnu Fadhil Ramadhan; Sugianto
Journal of Development Economics and Digitalization Vol 4 No 2 (2025): JDED, August 2025
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59664/jded.v4i2.9127

Abstract

Peran dari perbankan dalam perekonomian salah satunya yaitu penyaluran kredit. Lembaga keuangan bank menjadi penyalur terbesar dari penyaluran kredit ini. Tidak hanya bank dalam negeri, bank umum swasta juga menjadi penyumbang penyaluran kredit. Terdapat 50 perbankan umum swasta yang terdaftar di OJK. Dalam penyaluran kredit terdapat beberapa faktor internal dan eksternal yang dapat mempengaruhi penyaluran kredit. Faktor internal yaitu Non-Performing Loan (NPL) dan Beban Operasional terhadap Pendapatan Operasional (BOPO), sedangkan faktor eksternal Inflasi dan Suku Bunga. Penelitian ini menguji pengaruh NPL, BOPO, Inflasi dan Suku Bunga terhadap penyaluran kredit. Sampel digunakan secara tahunan dengan periode 2015-2023. Penelitian ini menggunakan metode analisis regresi data panel dan asumsi klasik. Hasil penelitian yang dilakukan dengan metode Fixed Effect Model menunjukkan bahwa NPL, BOPO, Inflasi dan Suku Bunga memiliki pengaruh secara simultan terdahap penyaluran kredit. Secara parsial variabel NPL memiliki pengaruh positif signifikan terhadap penyaluran kredit. Variabel BOPO memiliki pengaruh negatif signifikan terhadap penyaluran kredit. Sedangkan variabel Inflasi memiliki pengaruh negatif dan tidak signifikan terhadap penyaluran kredit, dan yang terakhir variabel suku bunga memiliki pengaruh positif dan tidak signifikan terhadap penyaluran kredit. Kata Kunci: NPL; BOPO; Inflasi; Suku Bunga; Penyaluran Kredit   Abstract One of the roles of banking in the economy is credit distribution. Banking financial institutions are the largest distributors of this credit distribution. Not only domestic banks, but private commercial banks also contribute to credit distribution. There are 50 private commercial banks registered with the Financial Services Authority (OJK). Several internal and external factors can influence credit distribution. Internal factors include Non-Performing Loans (NPL) and Operating Expenses to Operating Income (BOPO), while external factors include Inflation and Interest Rates. This study examines the effect of NPL, BOPO, Inflation, and Interest Rates on credit distribution. The sample used is annual for the period 2015-2023. This study uses panel data regression analysis and classical assumptions. The results of the study, conducted using the Fixed Effect Model method, indicate that NPL, BOPO, Inflation, and Interest Rates have a simultaneous influence on credit distribution. Partially, the NPL variable has a significant positive effect on credit distribution. The BOPO variable has a significant negative effect on credit distribution. Meanwhile, the inflation variable has a negative and insignificant influence on credit distribution, and finally the interest rate variable has a positive and insignificant influence on credit distribution. Keywords: NPL; BOPO; Inflation; Interest Rates; Credit Distribution
A BIBLIOMETRIC ANALYSIS OF ISLAMIC WEALTH PLANNING Ismul Fakhri Lubis; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 3 No. 12 (2024): NOVEMBER
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v3i12.604

Abstract

Islamic wealth planning refers to the financial planning services for the growth and protection of wealth based on Sharia principles. This research explores Islamic wealth planning to integrate Islamic values into financial management. The aim is to identify research trends in Sharia-based financial planning. Data was obtained from Crossref Search for the years 2019-2024 and analyzed using bibliometric methods. The findings indicate a primary focus on financial inclusion and Sharia fintech, with factors such as perceived ease of use and perceived benefits identified as key drivers of adoption. Challenges such as digital risks were also identified as potential barriers. This research provides strategic insights for optimizing technology adoption in Islamic finance and contributes to the development of both literature and industry practices.
INVESTMENT PLANNING IN ISLAMIC WEALTH MANAGEMENT: A SYARIAH PERSPECTIVE ON GROWTH AND SUSTAINABILITY M.Hakim Sitompul; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 2 (2025): JANUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i2.655

Abstract

Islamic wealth management has emerged as a critical area for addressing ethical and sustainable investment needs, driven by the principles of Shariah compliance. This study aims to explore the integration of Islamic wealth management tools with a focus on investment planning, growth, and sustainability. It addresses gaps in regulatory frameworks, Shariah governance, and the adoption of fintech and blockchain technologies. Using a bibliometric and thematic analysis approach, this research reviews data collected from Scopus and Web of Science, analyzing trends and debates in the field of Islamic finance over the last two decades. The study reveals significant advancements in instruments like Sukuk, green Sukuk, and Islamic mutual funds, alongside challenges in ensuring Shariah compliance and integrating sustainability frameworks. Findings highlight the potential of Islamic financial tools to support sustainable economic growth and financial inclusion, provided that governance structures and technological adoption are improved. The implications underscore the need for stronger collaboration between academia and industry to address global financial and socio-economic challenges. This study contributes to the literature by offering comprehensive insights into the role of Islamic finance in achieving sustainable development goals while bridging theoretical and practical gaps.
INSTRUMENTS AND PRODUCTS OF ISLAMIC WEALTH MANAGEMENT IN ISLAMIC FINANCIAL INSTITUTIONS Harry Irawan; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 3 (2025): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i3.658

Abstract

Islamic Wealth Management (IWM) is an approach that integrates Sharia principles into the management of wealth for individuals and institutions. This journal discusses various instruments and products offered by Islamic financial institutions in the context of IWM. The study aims to identify and analyze products that comply with Sharia principles and evaluate the effectiveness of these instruments in meeting customer needs. The research method employed includes a literature review and secondary data analysis from Islamic financial institutions in Indonesia. The findings reveal a variety of instruments, such as Sukuk, Islamic mutual funds, and Takaful (Islamic insurance), which can be utilized for Sharia-compliant wealth management. Additionally, the journal highlights the challenges and opportunities faced by Islamic financial institutions in developing innovative and competitive IWM products. These findings are expected to contribute to the development of the Islamic finance industry and raise public awareness of the importance of wealth management aligned with Islamic principles.
ISLAMIC WEALTH MANAGEMENT: HARMONIZING SPIRITUALITY AND FINANCIAL SUSTAINABILITY T. Rizkan Polem; Sugianto; Marliyah
International Journal of Social Science, Educational, Economics, Agriculture Research and Technology (IJSET) Vol. 4 No. 3 (2025): FEBRUARY
Publisher : RADJA PUBLIKA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ijset.v4i3.659

Abstract

Islamic wealth management represents a unique integration of ethical finance and spirituality, addressing the growing need for financial systems that prioritize sustainability and social justice. This study aims to explore how Islamic wealth management harmonizes spiritual principles and financial sustainability, focusing on emerging trends, challenges, and opportunities in the global context. The research employs a qualitative approach, utilizing case studies and literature reviews to analyze contemporary practices, theories, and applications. Data is drawn from scholarly articles, industry reports, and primary sources that examine Shariah-compliant wealth management practices, including zakah, waqf, and ESG integration. The findings highlight that Islamic wealth management frameworks ensure financial stability through risk-sharing mechanisms, enhance social welfare via ethical investments, and address global sustainability goals through the adoption of fintech innovations. Key challenges identified include the standardization of Shariah compliance, the need for gender inclusivity, and the alignment of ESG metrics with Islamic principles. These results imply that Islamic wealth management holds significant potential to contribute to a more equitable and sustainable global financial system.
Politik Hukum dalam Pengelolaan Sumber Daya Alam: Antara Kepentingan Negara dan Hak Masyarakat Adat Sugianto; Tarmudi; Ahmad Royhan Bustomi; Derrel Azhar Sugianto; Fardan Zidane Juniawan
Hutanasyah : Jurnal Hukum Tata Negara Vol. 4 No. 1 (2025): Agustus
Publisher : STAI Bumi Silampari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37092/hutanasyah.v4i1.1191

Abstract

Natural resource management in Indonesia is a complex phenomenon characterized by the state's efforts to drive economic growth while simultaneously protecting the rights of indigenous legal communities that have long preserved environmental balance. The constitutional basis provided by Articles 33 and 18B of the 1945 Constitution affirms the state's authority to optimize natural wealth for the prosperity of the people, while accommodating local autonomy and recognizing customary rights. This analysis was conducted using a normative legal approach combined with qualitative and anthropological perspectives to examine legal documents ranging from Law No. 5 of 1960, Law of the Republic of Indonesia No. 23 of 1997, and Law No. 32 of 2009, to the recent updates through Law No. 32 of 2024, Law No. 17 of 2019, Law No. 3 of 2020, and Law of the Republic of Indonesia No. 1 of 2014, in addition to reviewing the Draft Law on Indigenous Legal Communities (RUU MHA). The evaluation results reveal a fundamental difference between the national regulatory framework and the implementation of customary legal norms, which leads to inconsistent natural resource management practices and uneven distribution of benefits. These findings underscore the importance of reformulating regulations through the active involvement of various stakeholders and the thorough integration of indigenous legal communities' roles at every stage of policy formulation to create a more inclusive, equitable, and sustainable natural resource governance.
The Effect of Inflation and Gold Prices on the Performance of Gold Pawn Products at PT Bank Syariah Indonesia Harahap, Febri Khairani; Sugianto; Nur Ahmadi Bi Rahmani
Amkop Management Accounting Review (AMAR) Vol. 5 No. 1 (2025): January - June
Publisher : Sekolah Tinggi Ilmu Ekonomi Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/amar.v5i1.2738

Abstract

This study aims to explain the effect of inflation and gold prices on the performance of gold pawn products at Bank Syariah Indonesia. The theory used in the research model is the performance theory. The data used in this study are secondary data obtained from the financial statements of Bank Syariah Indonesia, as well as macroeconomic data related to the inflation rate collected from Bank Indonesia and gold prices inputted from Antam via the official website. The results of the study indicate that inflation does not affect the performance of gold pawn products. Gold prices have a significant positive effect on the performance of gold pawn products at Bank Syariah Indonesia. Inflation and gold price data are collected monthly for the period 2021-2024. Furthermore, gold pawn performance data uses gold pawn distribution data (rahn) which is available in quarterly form and then converted into monthly data using the linear interpolation method.
Differentiated Impacts of Enterprise Information Systems on Financial Performance: A Meta Analytic Comparison of ERP, CRM, BI, and DSS Sugianto; Puspitasari2, Devi
Data : Journal of Information Systems and Management Vol. 3 No. 2 (2025): April 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/data.v3i2.908

Abstract

 Enterprise Information Systems (EIS) including ERP, CRM, BI/BA, and DSS play critical roles in enhancing firm performance. However, their financial impacts vary across contexts, system types, and implementation designs. This study aims to systematically compare the financial effects of these systems using subgroup meta analysis, providing clarity on their differential contributions. A total of 120 studies were analyzed, focusing on three core financial outcomes: return on assets (ROA), return on sales (ROS), and revenue growth. Studies were selected from major IS meta analyses and empirical sources. Effect sizes were standardized using Fisher’s z, Hedges’ g, and log ratio transformations. A random effects model was applied, and subgroup analyses were conducted based on IS type and moderator variables including industry, region, firm size, and study design. CRM systems yielded the highest effect sizes (Cohen’s d = 0.67–0.75), especially in service sectors and developed markets. ERP systems showed moderate but consistent impact (d ≈ 0.54) through operational efficiency, while BI/BA (d ≈ 0.60) facilitated strategic planning. DSS contributed modestly (d ≈ 0.50). Moderator analysis revealed that larger firms and developed economies benefit more significantly from IS investments. Publication bias tests indicated some overestimation in cross sectional studies. These findings support the Resource Based View and complementary assets theory: IS value depends on integration with organizational capabilities. EIS types yield distinct financial benefits. CRM is optimal for rapid revenue and retention gains; ERP for internal efficiency; and BI for long term insights. Strategic alignment and contextual readiness determine ROI. The study offers theoretical and practical guidance for evidence based IS investment.
Task Aligned Technology: Enhancing Cross Unit Collaboration in Remote Work Environments Maulidiyah, Ummi Masrufah; Silvanie, Astried; Sugianto
Data : Journal of Information Systems and Management Vol. 3 No. 3 (2025): July 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/data.v3i3.1089

Abstract

The growing prevalence of remote and hybrid work models has transformed how organizations coordinate tasks and collaborate across functional units. This study investigates whether IT media fit moderates the relationship between remote work intensity and cross unit collaboration. Drawing on Media Synchronicity Theory (MST), the research posits that communication media must align with task requirements particularly synchronicity needs to enhance collaboration outcomes. A quasi experimental, longitudinal design was used, analyzing weekly team level data from digital trace logs (Slack, Microsoft Teams) and surveys assessing remote work intensity and IT media alignment. The study employed Generalized Linear Mixed Models (GLMM) with interaction terms to evaluate the moderating effect of IT media fit. Key findings indicate that remote work alone does not significantly improve collaboration metrics such as network centrality or cross functional reply rates. However, in conditions of high IT media fit, remote work intensity positively correlates with more robust cross unit collaboration. These results were robust across multiple model specifications and validated through lagged temporal analysis, bias checks, and alternative statistical techniques. This research extends MST by incorporating the emotional and contextual dimensions of digital communication tools and emphasizing the need for tool task synchronicity in remote settings. The study provides actionable recommendations for organizations, including aligning communication tools with specific task types, training teams in digital collaboration practices, and designing adaptive communication policies. As digital collaboration becomes central to modern organizational life, the strategic fit between media and task emerges as a vital determinant of remote work effectiveness.
Redefining Speed and Stability: A Meta Analysis of CI/CD Performance through DORA Metrics Sugianto
Digitus : Journal of Computer Science Applications Vol. 3 No. 1 (2025): January 2025
Publisher : Indonesian Scientific Publication

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61978/digitus.v3i1.952

Abstract

Continuous Integration and Delivery (CI/CD) has transformed modern software development, enabling faster, more reliable delivery cycles. This article investigates the impact of CI/CD on software delivery speed and stability through a meta analytical review of benchmark studies and industry metrics, with a focus on the DORA framework’s Four Key Metrics: Deployment Frequency, Lead Time for Changes, Change Failure Rate (CFR), and Mean Time to Recovery (MTTR). Utilizing data from DORA, CircleCI, GitLab, and other industry reports, the study applies systematic methods to compare elite and non elite performance bands. Results indicate that mature CI/CD implementation significantly enhances deployment frequency and reduces lead times, while simultaneously improving system stability through lower CFR and faster recovery times. Elite performers exemplify how frequent, stable deployments can be achieved through automation, observability, and standardized tooling. Industry-wide evidence indicates that these principles are broadly applicable across various organizational contexts. Discussion highlights existing barriers to CI/CD adoption, including legacy infrastructure, cultural inertia, and toolchain fragmentation. To address these, the article emphasizes the role of GitOps and platform engineering in streamlining CI/CD operations. Emerging trends such as AI integration, Software Bill of Materials (SBOM), and advanced observability are also identified as future enablers of delivery excellence. In conclusion, CI/CD maturity is strongly correlated with elite performance in software delivery. DORA metrics offer a reliable framework for assessment and continuous improvement. Organizations seeking to scale their DevOps effectiveness must align their practices with these benchmarks while leveraging emerging tools and cultural strategies to sustain delivery excellence.
Co-Authors Abd Majid, M Shabri Abd Majid, M. Sabri Abdul Kahar Abdul Rahman Achmad Rusdy Achmad Siddik Thoha Adaniah, Nahdatul Ade Khadijatul Z. Hrp Adel Syesaria Agustin Daole Adlani Hasrun, Muh. Nazri AH. Hasan Bashori Ahmad Choiri Ahmad Fuadi Tanjung Ahmad Royhan Bustomi Ahmad Subagyo Aini Wahyu Ningtyas, Baqiya Alfian, Ian Ali Mahmudi Amwa, Djauky Ridho Ananda Sakinah Andi Maslan Andi Syarifuddin Anita Annisa Rahmi, Annisa Aprianoto Aqilah Apritia Parawanza Arainy, Corizon Sinar Ardiantoro, Luki Ari Apryansyah Ari Yuniastuti Arjuna, Kevin Arung Gihna Mayapada Astried Silvanie atika Awan Awan Ayu Anggraeni, Novia Azhar, M. Elfi Azhari Akmal Tarigan Balqis, Tsamara Bambang Suwerda, Bambang Basri Bado, Basri Bianca Puspita Riadina Casmudi Dalimunthe, Maya Oktavia Damayanti, Alfina Dasmo Delima Sari Lubis Derrel Azhar Sugianto Dhian Rosalina, Dhian Dinar, Muhammad Dudung Hidayat Efendi, Imaduddin Bachtiar Ekayanti, Erly Eko Eko Sutrisno, Eko Elifas, Nadia Bimantoro Ely Rudyatmi, Ely Erly Ekayanti Rosyida Ernawaty Usman Ery Muthoriq, Ery Fadhel Mohammad Fahira, Adinda Permata Fardan Zidane Juniawan Fauziah Amarani Febrianti, Lola Fela Yudha, Syuhada Fera Yuliana Ferzy Ersandy Fitri Susanti Siregar Furaida Khasanah Gilby Sapulette, Shella Gustini, Sri H.M. Syukri Albani Nasution Hadinugroho, Dwi Lindarto Hafiz Fadhil Harahap, Febri Khairani Harry Irawan Harry Ramza Haryadi HARYONO Hasana, Ani Riani Hasdiansah, Hasdiansah Hasibuan, Zerimah Afgani Hasudungan Hutagalung, Henokh Hendi Hendi Hendi Hendra Hendra Harmain Herlina Hertanto, Edrick Emiliano Sam Heru Subaris Kasjono, Heru Subaris Hidayati, Beti Malia Rahma Holijah, Siti Hutasoit, Ririn Ibnu Fadhil Ramadhan Imas Ratna Ermawati, Imas Ratna Indradjaja, Daniel Irawan, Dedeng Irawati Irawati Irlanita Ayuning Tyas Iskandar Muda Iskandar Muda Ismul Fakhri Lubis iswanto Ithohirah Harahap Jamaluddin Juliana Nasution Juliana Nasution Kesuma, Leoni Virginia Lorainne Khairunnisa Br. Marpaung Lakoro, Iski Latifah Sukmawati Yuniar Lawolo, Aprianus Liana Lilla Puji Lestari Lisdiana Lismawati M Shabri Abd Majid M, A.Pananrangi M. Fauzan M. Shabri Abd. Majid M. Yasir Nasution M. Yasir Nst M.Hakim Sitompul Majid, Shabri Abd Mardiana Ningsih Marliyah Marpaung, Refianda Olivia Febrianti Martin Mat Amin Maulana Fahmi, Yusran Melia Frastuti Meutia Dewi, Meutia Mohzana Monica Cindy Anjelica Novena Letsoin Pinzon Monika Caramoy Sitorus Mudarman Muhamad Aris Muhamad Yusup Kamal Arkan Muhammad Amin Muhammad Hasan Muhammad Ikbal Abdullah MUHAMMAD ILHAM Muhammad Ilham Pakawaru Muhammad Lathief Ilhamy Nasution Muhammad Sofian Hadi MUHAMMAD SUBHAN Muhammad Zainul Haq Muhlisin, Muhammad . Muliani Mutmainah, Arofiani Mutthaqin, Muhammad Satrya Naim, Muh Yusan Nanang Indradi Narto Nashwa Nabila Kasih Nina Yusnita Yamin Ning Setiati Nugrahaningsih WH, Nugrahaningsih NUR AHMADI BI RAHMANI Nur Azizah Nuraeni Nanda Sari Nurfuadi, Wika Nurlaila Nurriskiana Akbar Nurul Ilaina Nurul Jannah Onny Fitriana Sitorus Pasaribu, Syafita Khairunnisa Pohan, Erwin Pranoto, Ethys Pratama, Yudha Prayogi Kusdino Priangga Widiandoko Pristiansyah, Pristiansyah Puspitasari2, Devi Putra, Jati Putra, Yunanda Eka Putri Sri Wahyuni Rahayu Indriasari Rahma, Tri Inda Fadhila Rahmad Firdaus Rahmani, Nur Ahmadi Bi Rahmat Rahmat Azahar Siregar Raju Adha Ramadhina, Nur Sekar Ramdhani, Izmy Chantika Ramli Ramli Rennata, Adella Vrida Rialihanto, Muhammad Primiaji Rida Jelita Rijal Allamah Harahap Rika Umbaiyani Ritonga Rina Rinaldi Rispa Amelia Rizaldy Pinzon Rizaldy Taslim Pinzon Letsoin Rizkika Zalza Bila Utami Rofiqoh Lubis, Nurul Rohana Rosdiana Salsadila, Meysi Santi Arafah sanusi, Anwar Saparuddin Siregar Saparuddin Siregar Sardjito Eko Windarso, Sardjito Eko Sarmiana Batubara Sastri Aida Zuhra Sekar Tyas Widyanti setiawan, Dibyo Sholikhah, Faizatus Siregar, Tetty Handayani Siti Aisyah SITI FATIMAH Siti Rahmi, Siti Siti Shofiah SOBIRIN SOPIAN SAORI Sri Agustina Hasibuan Sri Haryanti Sri Puji Ganefati Sri Puji Ganefati Subekti Subkhi, Nur Suhardi Suhardi Susanty, Widya Suwandhi, Albert Syafira Syafrina Yuni Lubis Syafrizal, Rodi Syahputri, Kharisma Syamsul Ph.D M.A. Hadi Syarbaini, Ahmad Muhaisin B. SYARIFUDDIN NOJENG T. Rizkan Polem Tarmudi Tawali Tenripada, Tenripada Thamrin Tahir Tiku, Seruni Ra’ba Bara’ Titie Solihati, Ade Tokan, Fitria Tri Isti Hartini, Tri Isti Trisniani, Sherafima Tuti Anggraini Tuti Anggraini Ullya Rahmawati Ummi Masrufah Maulidiyah WAHYUDI Wibisana, Kevin Widyawati, Rina Windarso, Sarjito Eko Wiwi Isnaeni Yasmin Putri Sa’idah Yoko Tristiarto Yuda Mahendra Hasibuan Yuni Lubis, Syafrina Zackya Hayati Lubis