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ANGELS Rating System for Islamic Banking Industry in Indonesia Oktaviansyah, Hendrik Tri; Roziq, Ahmad; Sulistiyo, Agung Budi
Jurnal Keuangan dan Perbankan Vol 22, No 1 (2018): January 2018
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (318.939 KB) | DOI: 10.26905/jkdp.v22i1.1563

Abstract

This study aims to analyze the bank soundness assessment using  ANGELS approach in an Islamic bank. This research is a qualitative research. This research uses a non-interactive qualitative approach that is an analysis research that conducts an assessment based on document analysis and provides interpretation of a concept. The data used are primary data and secondary data. Primary data is done by using structured interviews using prepared questionnaires. Secondary data from this research are sharia financial report year 2016 in the form of ROA, ROE, CAR, NPF, LDR, and MR. The results of this study indicate that the soundness assessment of Islamic bank using ANGELS has a score of 86.79 so it is said to be soundless. The concept of ANGELS which consists of Amanah Management, Non-Economic Wealth, Give Out, Earning, Capital and Asset, Liquidity and Sensitivity to Market and Economy Wealth in practice needs to be done revision is indicators Amanah Management of accountability to God and accountability to nature because in practice these indicators are contrary to the concept practiced in the field. Revision of accountability to God and accountability to nature is changed into ihsan and tablig.JEL Classification: G21; G24DOI: https://doi.org/10.26905/jkdp.v22i1.1563  
PEMASARAN DIGITAL DAN KINERJA KEUANGAN: PERAN INOVASI BERKELANJUTAN SEBAGAI VARIABEL MEDIASI Oktaviansyah, Hendrik Tri; Reza Zulfikri , Robby
Media Komunikasi Ilmu Ekonomi Vol 41 No 1 (2024): MELATI: Jurnal Media Komunikasi Ilmu Ekonomi Juni 2024
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58906/melati.v40i2.116

Abstract

Penelitian ini bertujuan untuk menguji pengaruh pemasaran digital terhadap kinerja keuangan perusahaan E-commerce.  Penelitian ini menggunakan metode kuantitatif, dengan jumlah sampel sebanyak 30 perusahaan E-Commerce yang dianalisis selama 5 tahun dari tahun 2016-2020. Sumber data penelitian terdiri dari data primer dan sekunder. Data primer menggunakan kuesioner dari berbagai pihak manajemen perusahaan E-Commerce. Sedangkan data sekunder diperoleh dari laporan keuangan perusahaan E-Commarce selama 5 tahun. Hasil penelitian menunjukkan bahwa pemasaran digital berpengaruh positif terhadap inovasi berkelanjutan. Pemasaran digital berpengaruh positif terhadap kinerja keuangan perusahaan E-Commerce. Sedangkan variabel inovasi berkelanjutan mampu memediasi pengaruh pemasaran digital terhadap kinerja keuangan perusahaan E-commerce. Temuan ini memiliki implikasi penting bagi pelaku E-commerce di Indonesia, bahwa keberadaan pemasaran digital dan inovasi berkelanjutan dapat membantu perusahaan untuk tetap eksis dan bersaing di tengah kemajuan teknologi untuk kinerja keuangan yang lebih baik.
DESAIN BALANCE SCORECARD DI KOPERASI SYARIAH SEKAR TANJUNG KECAMATAN ARJASA KABUPATEN JEMBER Oktaviansyah, Hendrik Tri; Rachman, Riza
Growth Vol 20 No 2 (2022): November
Publisher : Relawan Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36841/growth-journal.v21i1.2764

Abstract

Performance measurement is very important, because performance measurement can later be used as a performance evaluation in the future by taking into account financial and non-financial aspects. The purpose of this study was to determine the BSC design in Koperasi Syariah Sekar Tanjung. This research is a qualitative research, that data in the form of descriptive explanations that explain a description of certain objects and results. This study uses the BSC perspective to design the BSC in Koperasi Syariah Sekar Tanjung Jember. The data analysis method used is describing the vision and mission, SWOT analysis, determining alternative strategies, causal relationships between perspectives, determining lead and lag indicators of alternative strategies as well as targets and initiatives of strategic objectives, and determining implementation mechanisms. Koperasi Syariah Sekar Tanjung Strategy, Arjasa District, Jember Regency, when designed using BSC seen from 4 perspectives, it is necessary to improve the quality of human resources, improve the quality of excellent service to customers, increase customer satisfaction, and increase financial ratios.
The Influence of Islamic Capital Structure, Governance on Risk and Soundness of Sharia Banking Oktaviansyah, Hendrik Tri; Arif, Alfi; Asfufi, Nanang
VALUE: Journal of Business Studies Vol. 3 No. 1 (2024): VALUE: Journal of Business Studies
Publisher : Study Program of Management Faculty of Economics and Business University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19184/value.v3i1.49032

Abstract

Objective: This study aims to determine the effect of capital structure, governance on the risk and soundness of Islamic banking. Methodology: This research is a quantitative research. The sample in this study was 10 Islamic banking institutions in Indonesia which were analyzed for 10 years from 2011-2020 while the data used in this study were primary data and secondary data. The primary data used in this study was used by using a questionnaire in various management parties related to the health of Islamic Banks with the ANGELS approach. While the secondary data in the study is the data of Islamic banking financial statements for 10 years. Results: The results showed that the capital structure had a positive effect on the health of Islamic banks, while governance and risk had a significant positive effect on the health of Islamic banks. Originality: The originality of this research is an assessment of the health of Islamic banks measured using ANGELS this is because the CAMELS and RGEC methods have often been used by Islamic banks as an assessment of the health of Islamic banks. This research contributes to the importance of capital structure, governance and risk management for Islamic banks in Indonesia so that the health of Islamic banks improves.
METODE ANGELS SEBAGAI PENILAIAN TINGKAT KESEHATAN BANK SYARIAH DI INDONESIA Hendra Syahputra; Hendrik Tri Oktaviansyah
Jurnal Ekonomi Syariah Darussalam Vol. 4 No. 2 (2023): Agustus 2023
Publisher : Institut Agama Islam Darussalam Blokagung Banyuwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30739/jesdar.v4i2.2503

Abstract

This study aims to analyze the bank health assessment using ANGELS approach in Sharia Bank. This research uses a non-interactive qualitative approach that is an analysis research that conducts assessment based on document analysis and provides interpretation of a concept. Primary data is done by using structured interviews using prepared questionnaires, secondary data from this research are sharia financial report year 2016 in the form of ROA, ROE, CAR, NPF, LDR and MR. The results of this study indicate that the health assessment of Sharia Bank using ANGELS has a score of 86.79 so it is said to be healthy. The concept of ANGELS which consists of (Amanah Management, Non-Economic Wealth, Give Out, Earning, Capital and Asset, Liquidity and Sensitivity to Market and Economich Wealth) in practice needs to be done revision is indicators amanah management of accountability to God and accountability to nature because in practice these indicators are contrary to the concept practiced in the field. revision of accountability to God and accountability to nature is change into ihsan and tablig.
PENGARUH BUDAYA ISLAM, KEMAMPUAN MANAJEMEN TERHADAP KINERJA KARYAWAN BANK SYARIAH INDONESIA MELALUI MOTIVASI KERJA SEBAGAI VARIABEL MEDIASI Oktaviansyah, Hendrik Tri; Alfi Arif; Robby Reza Zulfikar
VALUE: Journal of Business Studies Vol. 4 No. 1 (2025): VALUE : Journal of Business Studies
Publisher : Study Program of Management Faculty of Economics and Business University of Jember

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to determine the influence of Islamic culture and management capability on the performance of employees at Bank Syariah Indonesia through work motivation as a mediating variable. This study was conducted at Bank Syariah Indonesia, which is considered the largest bank in Indonesia. The results of the study indicate that Islamic culture has a positive influence on work motivation, management capability has a positive influence on work motivation, work motivation has a significant positive influence on employee performance, Islamic culture has a positive and significant influence on employee performance, management capability has a positive and significant influence on employee performance, and the influence of Islamic culture on employee performance through work motivation is significant, as well as the influence of management capability on employee performance through work motivation being significant
Pemasaran Digital dan Kinerja Keuangan: Peran Inovasi Berkelanjutan sebagai Variabel Mediasi Oktaviansyah, Hendrik Tri; Reza Zulfikri , Robby
Jurnal Media Komunikasi Ilmu Ekonomi Vol 41 No 1 (2024): MELATI: Jurnal Media Komunikasi Ilmu Ekonomi Juni 2024
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Institut Teknologi dan Bisnis Ahmad Dahlan Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58906/melati.v40i2.116

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pemasaran digital terhadap kinerja keuangan perusahaan e-commerce dengan inovasi berkelanjutan sebagai variabel mediasi. Penelitian menggunakan pendekatan kuantitatif dan bersifat eksplanatori. Sampel terdiri dari 30 perusahaan e-commerce global yang dipilih secara purposive berdasarkan kriteria pendapatan minimum, P/E ratio, dan margin operasional positif. Data diperoleh dari laporan keuangan dan sumber daring resmi. Pengujian hubungan antar variabel dilakukan menggunakan analisis Structural Equation Modeling dengan pendekatan Partial Least Square (SEM-PLS). Hasil penelitian menunjukkan bahwa pemasaran digital berpengaruh positif dan signifikan terhadap kinerja keuangan dan inovasi berkelanjutan. Namun, inovasi berkelanjutan tidak berpengaruh signifikan terhadap kinerja keuangan, serta tidak memediasi hubungan antara pemasaran digital dan kinerja keuangan. Penelitian ini memberikan implikasi bahwa perusahaan e-commerce sebaiknya memprioritaskan strategi pemasaran digital yang adaptif dan terukur untuk mendongkrak kinerja keuangan dalam jangka pendek. Meskipun inovasi berkelanjutan penting, dampaknya terhadap kinerja keuangan perlu waktu dan dukungan strategi jangka panjang.
ANALYZING THE IMPACT OF CAPITAL STRUCTURE AND GOVERNANCE ON THE RISK PROFILE AND FINANCIAL STABILITY OF ISLAMIC BANKS IN INDONESIA Hendrik Tri Oktaviansyah; Sjafruddin; Robby Reza Zulfikri
Journal of Contemporary Indonesian Islam Vol. 4 No. 2 (2025): Journal of Contemporary Indonesian Islam
Publisher : Postgraduate Program UIN Sultanah Nahrasiyah Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47766/jcii.v4i2.7163

Abstract

This study aims to examine the impact of Islamic capital structure and governance on risk and the health of Islamic banks. This research employs a quantitative methodology. The sample consists of 10 Islamic banks in Indonesia, analyzed over a 10-year period from 2011 to 2020. The data used in this study includes both primary and secondary data. Primary data was collected through questionnaires distributed to various management parties related to the health of Islamic banks, using the ANGELS approach. Secondary data consists of financial reports from Islamic banks over the 10-year period. The findings indicate that capital structure has a positive impact on the health of Islamic banks, while governance and risk also have a significant positive effect on the health of Islamic banks. The originality of this study lies in assessing the health of Islamic banks using the ANGELS approach, as the CAMELS and RGEC methods have been frequently used by Islamic banks for health assessments. This study contributes to the understanding of the importance of capital structure for Islamic banks in Indonesia to improve their health.
Membangun Generasi Emas 2045: Sinergi Pemberian Makanan Tambahan dan Digitalisasi Data dalam Pencegahan Stunting di Kabupaten Jember Robby Reza Zulfikri; Sjafruddin; Hendrik Tri Oktaviansyah; Bahrina Almas; Inayah Swasti Ratih
Jurnal Solusi Masyarakat (JSM) Vol. 4 No. 1 (2026)
Publisher : Universitas Malikussaleh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29103/jsm.v4i1.27253

Abstract

Stunting remains a major health problem in Indonesia, impacting the quality of future human resources. Stunting prevention efforts require a comprehensive and collaborative approach, particularly at the village level. This community service program aims to improve knowledge, promote clean and healthy living behaviors (PHBS), and utilize digital data to support stunting prevention in Sukowono Village, Jember Regency. The methods used include education for mothers of toddlers and integrated health post (Posyandu) cadres, provision of locally-based supplementary feeding (PMT), and training in digitalizing health data to improve the accuracy and monitoring of children's nutritional status. The results of the program indicate an increase in community knowledge regarding nutrition and PHBS, increased participation in Posyandu activities, and the availability of a more orderly and integrated data recording system. The synergy between nutrition interventions, behavioral change, and the use of digital technology has proven effective in supporting stunting prevention efforts. This program is expected to become a sustainable model for realizing a healthy and quality generation towards Indonesia Emas 2045.
Linking Faith Based Culture and Managerial Skills to Fi-nancial Performance: Evidence from Islamic Banks Hendrik Tri Oktaviansyah; Bayu Wijayantini; Alfi Arif; Robby Reza Zulfikri; Taufik Sobri; Husam A. Y Abusaada
Jurnal Penelitian Ilmu Sosial dan Eksakta Vol. 5 No. 1 (2025): September
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/trilogi.v5i1.1700

Abstract

The growth of Islamic banking in Indonesia reflects the increasing demand for financial systems that align with faith-based values and ethical management practices. Within this context, the success of Islamic banks depends not only on financial instruments but also on how Islamic culture and managerial capability shape employee motivation and performance. This study aims to examine the influence of Islamic organizational culture and managerial capability on financial performance, with work motivation as a mediating variable. A quantitative method was employed using primary data collected from 80 employees of Bank Syariah Indonesia (BSI). The data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM) to test direct and indirect relationships among the variables.The results reveal that Islamic organizational culture and managerial capability significantly enhance employee motivation, improving performance and strengthening the bank’s financial outcomes. Work motivation partially mediates the relationships between Islamic values, managerial competence, and financial performance.This study emphasizes the need for Islamic banks to integrate faith-based culture with managerial excellence to build motivated, ethical, and high-performing employees. The findings contribute to Islamic finance scholarship by demonstrating that spiritual and behavioral dimensions within organizations can yield.