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All Journal Afkaruna: Indonesian Interdisciplinary Journal of Islamic Studies Musawa : Jurnal Studi Gender dan Islam Jurnal Ilmiah Ekonomi Islam AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah ELSE (Elementary School Education Journal) : Jurnal Pendidikan dan Pembelajaran Sekolah Dasar JMM (Jurnal Masyarakat Mandiri) Martabe : Jurnal Pengabdian Kepada Masyarakat MALIA Nusantara Science and Technology Proceedings Humanism : Jurnal Pengabdian Masyarakat Society: Jurnal Pengabdian Masyarakat Musyarakah: Journal of Sharia Economics (MJSE)
Setiyowati, Arin
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Journal : Perisai : Islamic Banking and Finance Journal

 1 
Quality of Corporate Social Responsibility (CSR) Services at Bank Syariah Indonesia (BSI) in 2021 in the Perspective of Islamic Social Reporting (ISR) Index and Maqashid Syariah Index (MSI) Nanda Pratiwi, Danisa; Setiyowati, Arin; Huda, Fatkur
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1643

Abstract

The government issues regulations through Limited Liability Company Law No. 40 of 2007 articles 66 and 74, which states that companies are required to report on the implementation of social and environmental responsibility which is often referred to as Corporate Social Responsibility (CSR). In carrying out its social responsibility, Bank Syariah Indonesia (BSI) must ensure that its operational system meets the benchmarks in CSR. To measure it, it is necessary to have a measuring instrument, namely using the Islamic Social Reporting (ISR) Index and the Maqashid Syariah Index (MSI), to fulfill CSR services to the community. This study aims to analyze the quality of CSR services at BSI 2021 in the ISR Index and MSI Perspective. This research was conducted using a type of library research (Library Research) using a qualitative approach. The validity of the data using source triangulation and data analysis techniques using data reduction. The results of the study show that the quality of CSR services in the 2021 BSI report has carried out CSR in accordance with seven principles including: ethical principles of ethics, principles of caliph protection, principles of honesty and trustworthiness, principles of halalan tayyiban, principles of fairness, principles of authenticity and credibility, and principles of charity. As for the quality of CSR activities specifically based on ISR items on the classification of funding and investment in zakat points, community classification in sadaqah, waqf, qardh hasan points, school scholarships, young generation development, community quality improvement, concern for children, and support social activities. And environmental classification at the point of environmental conservation and empowerment. Meanwhile, the quality of CSR services at BSI is in accordance with the Maqashid Syariah Index and fulfills the principles of individual education, achievement of justice, and public welfare, which are the foundations of this maqashid syariah not implemented by other Islamic banks.
Identification of Problems and Handling of Home Ownership Financing (PPR) Through Murabahah Contracts at Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya Shinta Wulandari, Athiya; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1644

Abstract

Penelitian ini bertujuan untuk mengetahui identifikasi persoalan dan penanganan Pembiayaan Pemilikan Rumah (PPR) melalui akad murabahah di Bank Syariah Indonesia KCP Surabaya Rungkut 1. Studi ini dirancang menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data melewati proses wawancara dan dokumentasi. Keabsahan data yang digunakan adalah triangulasi sumber dan ada tiga tahap analisis data yaitu: Reduksi data, Penyajian Data (DisplayData), dan Penarikan Kesimpulan. Hasil penelitian ini menunjukkan bahwa, Implementasi Pembiayaan Pemilikan Rumah (PPR) pada BSI KCP Surabaya Rungkut 1 dalam pembiayaan menggunakan akad murabahah, tetapi juga menggunakan akad wakalah sebagai pelengkap pelaksanaan akad murabahah.Pelaksanaan akad murabahah pada BSI sudah memenuhi fatwa DSN-MUI Nomor 4/DSN-MUI/IV/ 2000, sebagaimana yang telah dilakukan pihak bank yang melakukan akad wakalah terlebih dahulu lalu dilanjutkan pelaksanaan akad murabahah setelah pihak bank melakukan transaksi dengan developer.Beberapa ragam persoalan dalam proses pembiayaan pemilikan rumah (PPR) dan penangan yang dilakukan oleh pihak BSI Surabaya Rungkut 1 sebagai berikut; Jika nasabah telat mengangsur dalam jangka waktu yang lama maka pihak BSI KCP Surabaya Rungkut 1 akan melakukan restrukturisasi atau rekondisi, jika nasabah melakukan take over pembiayaan diperbolehkan asalkan tujuannya untuk pelunasan pembiayaan (selain tujuan itu tidak diperbolehkan), dan jika ada musibah yang mendadak seperti nasabah meninggal dunia atau mengalami kebakaran rumah. Maka pihak Bank akan mengclaim asuransi nasabah ditujukan dalam hal melunasi pembiayaan yang masih tersisa. Adapun penanganan untuk menanggulangi peningkatan NPF, pihak BSI KCP Surabaya Rungkut 1 tentunya akan melakukan upaya-upaya agar dapat meminimalisir risiko tersebut yaitu dengan berpatokan pada 5C sebelum memberikan pembiayaan kepada nasabah. 5C terdiri dari: Character, Capacity, Capital, Collateral, Condisi.
The Effect of Net Profit and Net Cash Flow on Market Capitalization (Case Study of Sharia Banking Companies at the Indonesia Stock Exchange 2019–2022 Period) Aulia Zahra, Ananda Putri; Rafsanjani, Haqiqi; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1671

Abstract

Capital market players or investors will consider several elements that can indicate the state of the company, such as examining financial reports from cash flow to profit and loss statements. In addition, the company's share price will ultimately be related to its market capitalization value. The profits obtained by investors will increase along with the increase in stock market capitalization, and the greater the appreciation, the higher the level of profit from an alternative investment. This study aims to determine the effect of net income and net cash flow on market capitalization. Secondary data in the form of Sharia Banking quarterly financial reports that have been listed on the Indonesia Stock Exchange (IDX) for 2019-2022 is the source of the data. Three samples for this research sample were obtained, namely Bank Panin Dubai Syariah (PNBS), Sharia National Pension Savings Bank (BTPS), and Bank Syariah Indonesia (BSI). Panel data regression analysis with the Eviews 12 program was used in this study. The results show that partially net income has a negative and insignificant impact while net cash flow has a positive and significant impact on market capitalization. Meanwhile, market capitalization is simultaneously influenced by net profit and net cash flow variables.
Quality of Corporate Social Responsibility (CSR) Services at Bank Syariah Indonesia (BSI) in 2021 in the Perspective of Islamic Social Reporting (ISR) Index and Maqashid Syariah Index (MSI): Kualitas Layanan Corporate Social Responsibility (CSR) Pada Bank Syariah Indonesia (BSI) Tahun 2021 Dalam Perspektif Islamic Social Reporting (ISR) Indeks Dan Maqashid Syariah Indeks (MSI) Nanda Pratiwi, Danisa; Setiyowati, Arin; Huda, Fatkur
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1643

Abstract

The government issues regulations through Limited Liability Company Law No. 40 of 2007 articles 66 and 74, which states that companies are required to report on the implementation of social and environmental responsibility which is often referred to as Corporate Social Responsibility (CSR). In carrying out its social responsibility, Bank Syariah Indonesia (BSI) must ensure that its operational system meets the benchmarks in CSR. To measure it, it is necessary to have a measuring instrument, namely using the Islamic Social Reporting (ISR) Index and the Maqashid Syariah Index (MSI), to fulfill CSR services to the community. This study aims to analyze the quality of CSR services at BSI 2021 in the ISR Index and MSI Perspective. This research was conducted using a type of library research (Library Research) using a qualitative approach. The validity of the data using source triangulation and data analysis techniques using data reduction. The results of the study show that the quality of CSR services in the 2021 BSI report has carried out CSR in accordance with seven principles including: ethical principles of ethics, principles of caliph protection, principles of honesty and trustworthiness, principles of halalan tayyiban, principles of fairness, principles of authenticity and credibility, and principles of charity. As for the quality of CSR activities specifically based on ISR items on the classification of funding and investment in zakat points, community classification in sadaqah, waqf, qardh hasan points, school scholarships, young generation development, community quality improvement, concern for children, and support social activities. And environmental classification at the point of environmental conservation and empowerment. Meanwhile, the quality of CSR services at BSI is in accordance with the Maqashid Syariah Index and fulfills the principles of individual education, achievement of justice, and public welfare, which are the foundations of this maqashid syariah not implemented by other Islamic banks.
Identification of Problems and Handling of Home Ownership Financing (PPR) Through Murabahah Contracts at Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya: Identifikasi Permasalahan dan Penanganan Pembiayaan Pemilikan Rumah (PPR) Melalui Akad Murabahah Pada Bank Syariah Indonesia (BSI) KCP Rungkut 1 Surabaya Shinta Wulandari, Athiya; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1644

Abstract

Penelitian ini bertujuan untuk mengetahui identifikasi persoalan dan penanganan Pembiayaan Pemilikan Rumah (PPR) melalui akad murabahah di Bank Syariah Indonesia KCP Surabaya Rungkut 1. Studi ini dirancang menggunakan metode kualitatif dengan pendekatan studi kasus. Teknik pengumpulan data melewati proses wawancara dan dokumentasi. Keabsahan data yang digunakan adalah triangulasi sumber dan ada tiga tahap analisis data yaitu: Reduksi data, Penyajian Data (DisplayData), dan Penarikan Kesimpulan. Hasil penelitian ini menunjukkan bahwa, Implementasi Pembiayaan Pemilikan Rumah (PPR) pada BSI KCP Surabaya Rungkut 1 dalam pembiayaan menggunakan akad murabahah, tetapi juga menggunakan akad wakalah sebagai pelengkap pelaksanaan akad murabahah.Pelaksanaan akad murabahah pada BSI sudah memenuhi fatwa DSN-MUI Nomor 4/DSN-MUI/IV/ 2000, sebagaimana yang telah dilakukan pihak bank yang melakukan akad wakalah terlebih dahulu lalu dilanjutkan pelaksanaan akad murabahah setelah pihak bank melakukan transaksi dengan developer.Beberapa ragam persoalan dalam proses pembiayaan pemilikan rumah (PPR) dan penangan yang dilakukan oleh pihak BSI Surabaya Rungkut 1 sebagai berikut; Jika nasabah telat mengangsur dalam jangka waktu yang lama maka pihak BSI KCP Surabaya Rungkut 1 akan melakukan restrukturisasi atau rekondisi, jika nasabah melakukan take over pembiayaan diperbolehkan asalkan tujuannya untuk pelunasan pembiayaan (selain tujuan itu tidak diperbolehkan), dan jika ada musibah yang mendadak seperti nasabah meninggal dunia atau mengalami kebakaran rumah. Maka pihak Bank akan mengclaim asuransi nasabah ditujukan dalam hal melunasi pembiayaan yang masih tersisa. Adapun penanganan untuk menanggulangi peningkatan NPF, pihak BSI KCP Surabaya Rungkut 1 tentunya akan melakukan upaya-upaya agar dapat meminimalisir risiko tersebut yaitu dengan berpatokan pada 5C sebelum memberikan pembiayaan kepada nasabah. 5C terdiri dari: Character, Capacity, Capital, Collateral, Condisi.
The Effect of Net Profit and Net Cash Flow on Market Capitalization (Case Study of Sharia Banking Companies at the Indonesia Stock Exchange 2019–2022 Period): Pengaruh Laba Bersih dan Arus Kas Bersih terhadap Kapitalisasi Pasar (Studi Kasus pada Perusahaan Perbankan Syariah di Bursa Efek Indonesia Periode 2019–2022) Aulia Zahra, Ananda Putri; Rafsanjani, Haqiqi; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol. 8 No. 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1671

Abstract

Capital market players or investors will consider several elements that can indicate the state of the company, such as examining financial reports from cash flow to profit and loss statements. In addition, the company's share price will ultimately be related to its market capitalization value. The profits obtained by investors will increase along with the increase in stock market capitalization, and the greater the appreciation, the higher the level of profit from an alternative investment. This study aims to determine the effect of net income and net cash flow on market capitalization. Secondary data in the form of Sharia Banking quarterly financial reports that have been listed on the Indonesia Stock Exchange (IDX) for 2019-2022 is the source of the data. Three samples for this research sample were obtained, namely Bank Panin Dubai Syariah (PNBS), Sharia National Pension Savings Bank (BTPS), and Bank Syariah Indonesia (BSI). Panel data regression analysis with the Eviews 12 program was used in this study. The results show that partially net income has a negative and insignificant impact while net cash flow has a positive and significant impact on market capitalization. Meanwhile, market capitalization is simultaneously influenced by net profit and net cash flow variables.
Co-Authors Adnyana, Made Bambang Agus Budiman Ahmad, Resha Alawi, A. Muammar Apsari, Phatriakalista Intan Arfan Muammar, Muhammad Aribowo Arif, Achmad Zainuri Aulia Zahra, Ananda Putri Choliq, Idham Dian Berkah Fatkur Huda Fery Efendi, Junaidi Haqiqi Rafsanjani Hartini, Dewi Sri Hidayah, Nadiyah Rizqa Ichda Wahyuni, Holy Joko Mijiarto, Joko Krisdianto Sugiyanto Lutfiana, Shinta Muftaqor, Nur Azmil Nadia Salsabilla, Salma Nadid, Erdin Nanda Pratiwi, Danisa Nisful Laila Nuryananda, Praja Nuryananda, Praja Firdaus Paranggi, Alifia Permata Sari, Yuliana Pratiwi, Danisa Nanda Putri, Fahriza Nahdya Putri, Galuh Melati Raditya Sukmana Radius Setiyawan, Radius Rahmatin, Leily Suci Rahmayani, Nisa Rikza, Ayu Salsabilla, Salma Nadia Septiansa, Fariski Setiawan, Tho’at Shinta Wulandari, Athiya SM, Ainol Yaqin Suksmawati, Herlina Thoat Stiawan Wijaya, M. Febrianto Yuyun Wahyu Izzati Surya Zuhroh, Latifah Nisa'uz Zuhud, Mochammad Haris