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The Efficiency of Islamic Banks in the Middle East and Southeast Asia: Stochastic Frontier Approach Adawiyah, Robi'atul; Suhel, Suhel; Syathiri, Ahmad
Equilibrium: Jurnal Ekonomi Syariah Vol 11, No 2 (2023): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v11i2.23224

Abstract

This research aims to compare and analyze the efficiency of Islamic banking in Southeast Asia and the Middle East by examining particular inputs such as third-party funds, operational expenses, labor costs, and return on assets, focusing on financing as the output. This quantitative study uses a purposive sampling technique to sample 30 sharia banks from Southeast Asia and 30 sharia banks from the Middle East from 2015 to 2022. The data used is secondary data from BankFocus and the annual financial reports of each bank. Data was processed using the Frontier 4.1 application with the Stochastic Frontier Analysis method. The results of this research show that the efficiency of sharia banking in the Middle East is higher than sharia banking in Southeast Asia. On the other hand, the return on assets has no impact on financing, but the input of third-party funds, operational expenses, and labor costs all have an impact. These findings show the importance of efficiently supervising the management of third-party funds and costs incurred by banks in order to improve banking performance. Hence, this will ultimately lead to an increase in the efficiency of sharia banking and a growth of banking profits.
Basic Islamic Economics and Finance Education among Youth at Raudhatul Ulum Senior High School Sakatiga Ogan Ilir, South Sumatera Widyanata, Fera; Suhel; Farla, Wita; Syathiri, Ahmad; Marissa, Feny
International Journal of Community Service Learning Vol. 7 No. 2 (2023): May 2023
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijcsl.v7i2.53979

Abstract

This community service targeted the youth audience, particularly the students of  Raudhatul Ulum Senior High School Sakatiga, Ogan Ilir Regency, South Sumatra Province. This school was selected because Islamic Economics and Finance education has not been included in the learning curriculum, whereas it is located in a boarding school complex. Thus, the students have lack knowledge about Islamic Economics and Finance. The youth was targeted because they are a generation that is currently active, enthusiastic and productive. The aims of this community service is that local youth as agents of change can implement the principles and concepts of Islamic Economics in their daily life, family and community to build economic progress in their village. The methods used in the implementation of community service are socialization, education, and workshops. From the results of this community service activity, it can be concluded that the knowledge and interest of teenagers in Islamic Economics and Finance have increased significantly so that they can practice it in their various daily economic activities whilst conveying it to other people, to create a prosperous Islamic economic environment.
Analisis Kinerja Pendapatan Industri Perbankan Syariah di Indonesia Syaifulloh, Muhammad; Asngari, Imam; Syathiri, Ahmad
Jurnal Informatika Ekonomi Bisnis Vol. 6, No. 1 (March 2024)
Publisher : SAFE-Network

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37034/infeb.v6i1.806

Abstract

This research aims to obtain empirical evidence regarding the analysis of the revenue performance of the Sharia Banking industry in Indonesia. This research uses panel data. The number of banks studied were 10 Sharia Commercial Banks in Indonesia listed in the 2015-2022 Sharia Banking Statistics. The variables used in this research are Income (Ln_Income), Capital (Ln_Modal), Murabahah Financing (P_M), Operational Costs Operational Income (BOPO) Ratio (RBOPO), Dummy Covid-19 (DCovid19). Based on the results of statistical testing using eviews 12, the Capital and Covid 19 Dummy variables have an effect on Islamic bank revenues, while the Murabahah Financing variables, BOPO Ratio have no effect on Revenues of Sharia Commercial Banks in Indonesia. Results The coefficient of determination (R2) is 0.885. This explains that the influence of the independent variable on the dependent is 88.5% and the remaining 11.5% is influenced by other variables not examined in this research.
Penyuluhan tentang Financial Technology di Desa Kerinjing, Kecamatan Tanjung Raja, Kabupaten Ogan Ilir Hamdan, Umar; Bakri, Supardi A; Syathiri, Ahmad; Tripermata, Lukita
Sricommerce: Journal of Sriwijaya Community Services Vol. 1 No. 1 (2020): Sricommerce: Journal of Sriwijaya Community Services
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jscs.v1i1.4

Abstract

Fintech (financial technology) adalah inovasi di bidang jasa keuangan yang sedang tren di indonesia. Fintech memberikan pengaruh kepada masyarakat secara luas dengan memberikan akses terhadap produk keuangan sehingga transaksi menjadi lebih praktis dan efektif. Tujuan dari kegiatan pengabdian ini untuk memberikan pemahamaan tentang manfaat dana elektronik non tunai dan simpan pinjam financial technology, memberikan pemahamaan tentang terjadinya beberapa kasus penipuan melalui pinjaman financial technology, memberikan pengetahuan tentang beberapa aplikasi dana elektronik non tunai kepada masyarakat. Metode kegiatan penyuluhan dimana terdapat ceramah, tanya-jawab dan evaluasi. Hasil kegiatan adalah pemberian pemahaman kepada masyarakat atas kemajuan teknologi termasuk teknologi transaksi keuangan sangat membantu masyarakat untuk menggunakannya secara bijak, sehingga kehadiran teknologi ini dapat memberikan manfaat yang besar dan terhindari dari risiko yang dapat menyebabkan kerugian bagi masyarakat.
Rencana Pengembangan Lini Usaha Koperasi Pesantren Syathiri, Ahmad; Hamdan, Umar; Malinda, Shelfi; Putri, Yulia Hamdaini; Muizzuddin, Muizzuddin
Sricommerce: Journal of Sriwijaya Community Services Vol. 3 No. 2 (2022): Sricommerce: Journal of Sriwijaya Community Services
Publisher : Faculty of Economics, Universitas Sriwijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29259/jscs.v3i2.95

Abstract

Tujuan kegiatan pengabdian untuk meningkatkan pemahaman dan profesionalitas pengurus koperasi pesantren dalam mengelola usaha koperasi, sehingga unit dan jenis usaha koperasi berkembang yang juga akan berdampak pada peningkatan pendapatan usaha dan kesejahteraan pengurus koperasi. Manfaat pengabdian ini adalah membangun sinergi antara civitas akademika dan masyarakat dalam membangun perekonomian rakyat. kegiatan pengabdian ini juga meningkatkan wawasan tentang penyusunan rencana pengembangan usaha koperasi pesantren. Metode yang digunakan dalam kegiatan ini adalah metode ceramah, diskusi dan pelatihan. Hasil kegiatan pengabdian ini koperasi pesantren sudah harus dikembangkan dengan berbagai jenis usaha dengan pertimbangan aset maupun lahan yang dimiliki saat ini. Koperasi pesantren dapat menjadi media pemberdayaan ekonomi bagi masyarakat pesantren dan masyarakat umum.
Competitiveness and Logistics Performance Index: How does the infrastructure pillar perform in ASEAN countries? Azwardi, Azwardi; Fuadah, Luk Luk; Syathiri, Ahmad
Jurnal Perspektif Pembiayaan dan Pembangunan Daerah Vol. 12 No. 1 (2024): Jurnal Perspektif Pembiayaan dan Pembangunan Daerah
Publisher : Program Magister Ilmu Ekonomi Pascasarjana Universitas Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22437/ppd.v12i1.31695

Abstract

This paper examines the impact of strategic sub-components of the Global Competitiveness Index (GCI) on the Logistics Performance Index (LPI), positing a correlation between the LPI and selected GCI factors, specifically within the infrastructure domain—namely, the indicators of Road Quality, Rail Service Efficiency, Port Efficiency, Air Transport Efficiency, and Electrification. The objective is to identify which indicators within the infrastructure sector most significantly affect the Logistics Performance Index. In this study, the LPI is the dependent variable, while the five previously mentioned competitiveness indicators act as independent variables. Top of Form A panel data regression analysis was employed to evaluate how these independent variables influence the dependent variable. The data for this study were derived from the World Bank, specifically the LPI of the World Bank and the World Economic Forum, covering countries in the ASEAN region from 2012 to 2020. The findings indicate that, among the five indicators, Port Efficiency significantly impacts the Logistics Performance Index in the ASEAN region. Furthermore, both Air Transportation Efficiency and Electrification significantly influence the Logistics Performance Index. Conversely, Road Quality and Rail Service Efficiency do not significantly affect the Logistics Performance Index in the ASEAN region.
Peningkatan Literasi Keuangan Digital Syariah Bagi Siswa Sekolah Menengah Atas Raudhatul Ulum Desa Sakatiga Kecamatan Inderalaya Kabupaten Ogan Ilir Syathiri, Ahmad; Asngari, Imam; Putri, Yulia Hamdaini; Widyanata, Fera; Wahyudi, Heru
BEGAWI : Jurnal Pengabdian Kepada Masyarakat Vol. 1 No. 1 (2023): Volume 1 - No. 1 Tahun 2023
Publisher : Faculty of Economics and Business Lampung University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/begawi.v1i1.4

Abstract

Salah satu dampak negatif dari kemajuan teknologi dalam dunia digitalisasi keuangan adalah mendorong masyarakat pada ketergantungan terhadap utang. Saat ini sudah banyak ditemui perusahaan jasa pinajaman uang digital yang menawarkan kemudahan transaksi. Industri keuangan pinjaman online tidak saja menarget orang dewasa akan tetapi juga remaja usia muda. Oleh karena itu, untuk mengantisipasi terjebanknya remaja terhadap penipuan investasi bodong dan pinjaman online ilegal yang dapat menjerat korban dengan bunga tinggi, maka diperlukan edukasi dan pemahaman bagaimana menggunakan aplikasi keuangan digital dengan bijaksana dan sesuai dengan ajaran Islam. Pengabdian masyarakat ini dilaksanakan di Sekolah Menengah Atas Islam Terpadu Raudhatul Ulum Desa Sakatiga. Penentuan lokasi ini mengingat keberadaan sekolah yang dekat dengan wilayah ibu kota Kabupaten Ogan Ilir yang memiliki kemudahan akses internet, sehingga memudahkan bagi siswa untuk mengakses aplikasi keuangan digital secara online. Dengan adanya pengabdian ini mampu meningkatkan minat masyarakat terutama siswa SMA Islam Terpadu Raudhatul Ulum Desa Salatiga untuk menggunakan jasa keungan digital syariah, membantu remaja-remaja memanfaatkan aplikasi keuangan digital dengan bijak, mencegah perilaku konsumtif, pencegahan kebocoran data pribadi akibat kelalaian, dan mencegah penyalagunaan aplikasi keuangan digital untuk aksi penipuan.
PELATIHAN INOVASI KREASI TUMPENG BAGI PELAKU UMKM DI DESA ALAI KECAMATAN LEMBAK KABUPATEN MUARA ENIM Tripermata, Lukita; yeni, yeni; Wahyudi, Heru; syathiri, ahmad
BEGAWI : Jurnal Pengabdian Kepada Masyarakat Vol. 2 No. 2 (2024): Volume 2 - Nomor 2 - Juli 2024
Publisher : Faculty of Economics and Business Lampung University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23960/begawi.v2i2.45

Abstract

Kegiatan pengabdian ini bertujuan untuk melaksanakan pelatihan pengembangan UMKM dengan pembuatan tumpeng karakter di Desa Alai Kecamatan Lembak Kabupaten Muara Enim. Khalayak sasarannya adalah ibu-ibu PKK dan remaja putri. Mitra ini ditetapkan dengan mempertimbangkan efektivitas dan intensitas pelaksanaan kegiatan pengabdian Dosen Pembimbing Lapangan (DPL) dari Universitas Indo Global Mandiri. Metode pelaksanaan kegiatan pengabdian kepada masyarakat ini dilakukan dengan tiga tahap, yaitu tahap persiapan (pra-survey), pelaksanaan kegiatan pengabdian pelatihan di Desa Alai, Kecamatan Lembak Kabupaten Muara Enim, evaluasi dan pelaporan. Hasil kegiatan pengabdian pelatihan ini telah dihadiri oleh kepala desa, dan 43 peserta. Hampir 90 persen peserta pelatihan berhasil membuat tumpeng karakter yang menarik. Tingkat keberhasilan kegiatan pelatihan tumpeng karakter karena demo masak memakai edisi pinky yang sedang booming. Kegiatan ini diharapkan mampu menggerakkan ekonomi warga dengan meningkatkan sisi income warga. Sekaligus, dijadikan usaha tambahan yang berinovasi. Cara pembuatan tumpeng dimulai dengan menyiapkan bahan-bahan yang diperlukan, selanjutnya dipraktekkan langsung oleh ibu-ibu PKK dan remaja putri dengan arahan DPL. Serta diberikan pengetahuan mengenai pencatatan keuangan sederhana rumah tangga dengan benar.
The Impact of Covid-19 on MSMEs Financing in Indonesia: The Role of Mudharabah and Musharakah Widyanata, Fera; Syathiri, Ahmad; ., Dwirini
EQUILIBRIUM Vol 10, No 1 (2022): EQUILIBRIUM
Publisher : Prodi Ekonomi Syariah Pascasarjana IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/equilibrium.v10i1.12328

Abstract

One of the economic sectors hardest hit by the Covid-19 in Indonesia is MSMEs. During the Covid-19 pandemic, business capital assistance is urgently needed by MSMEs to keep running. Mudharabah and musharakah are Islamic banking financing products explicitly aimed at business needs and investment in the real sector, such as MSMEs. Therefore, a more in-depth quantitative analysis is needed regarding the role of mudharabah and musharakah contracts on MSMEs financing during the Covid-19 using panel data regression techniques, with a monthly observation period from March 2020 to May 2021 for all Islamic banking in Indonesia. With the Fixed Effect Model approach, it was found that the mudharabah and musharakah contracts statistically had no significant effect on MSMEs financing during the Covid-19. The conclusion is that during the Covid-19, there was an increase in MSMEs financing with mudharabah contracts, but it was not significant. In contrast, the musharakah contract did not increase the contribution to MSMEs financing.