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PENGARUH PENGETAHUAN TENTANG PERBANKAN SYARIAH, LOKASI STRATEGIS DAN WORD OF MOUTH (WOM) TERHADAP KEPUTUSAN MENABUNG DI BANK SYARIAH Rosydalina Putri
Economic Education and Entrepreneurship Journal Vol 2, No 2 (2019): Economic Education and Entrepreneurship Journal (E3J)
Publisher : FKIP Universitas Lampung

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ABSTRAKEksistensi perbankan syariah di Indonesia merupakan bagian dari perjuangan umat islam. Perjuangan ini terus diikuti dengan dukungan regulasi dan kebijakan pemerintah berupa dual banking system dan saat ini mengeluarkan payung hukum yang mandiri berupa Undang-undang No. 21 tahun 2008 tentang perbankan syariah sehingga bank-bank syariah tumbuh subur di Indonesia baik dalam bentuk Bank Umum Syariah maupun cabang dan Unit Usaha Syariah. Perbankan sebagai lembaga keuangan utama dalam sistem keuangan dewasa ini tidak hanya berperan sebagai lembaga perantara keuangan (financial intermediary), namun juga sebagai industri penyedia jasa keuangan (financial insudtry) dan instrument kebijakan moneter yang utama. Jenis penelitian ini adalah penelitian kuantitatif dengan sifat asosiatif. Sumber data pada penelitian ini berasal dari data primer dan data sekunder. Sampel pada penelitian ini sebanyak 96 responden yang diambil dengan teknik Nonprobability sampling dengan cara purpossive sampling. Teknik pengumpulan data dengan menggunakan kuesioner. Metode analisis data dengan menggunakan regresi linear berganda, uji asumsi klasik, uji hipotesis (uji t dan uji F), kemudian pengolahan datanya menggunakan aplikasi SPSS 16 for Windows. Penelitian ini menunjukkan bahwa pengetahuan tentang perbankan syariah lokasi strategis, word of mouth sangat berpengaruh terhadap keputusan menabung di bank syariah.Kata kunci: Pengetahuan Perbankan Syariah, Lokasi, Word Of Mouth. ABSTRACTThe existence of Islamic banking in Indonesia is part of the struggle of Muslims. This struggle continues to be followed by the support of government regulations and policies in the form of a dual banking system and is currently issuing an independent legal umbrella in the form of Law No. 21 of 2008 concerning Islamic banking so that Islamic banks flourish in Indonesia both in the form of Sharia Commercial Banks and branches and Sharia Business Units. Banking as a major financial institution in the financial system today not only acts as a financial intermediary institution, but also as a financial service provider (financial insudtry) industry and a major monetary policy instrument. This type of research is quantitative research with associative nature. Sources of data in this study came from primary data and secondary data. The sample in this study were 96 respondents who were taken with the Nonprobability sampling technique by purposive sampling. Data collection techniques using a questionnaire. Methods of data analysis using multiple linear regression, classic assumption tests, hypothesis testing (t test and F test), then processing the data using the SPSS 16 application for Windows. This research shows that knowledge about strategic location of sharia banking, word of mouth is very influential on savings decisions in sharia banks.Keywords: Knowledge of Islamic Banking, Location, Word of Mouth.

PENGARUH RASIO KEUANGAN DALAM MEMPREDIKSI FINANCIAL DISTRESS PADA BANK UMUM SYARIAH Rosydalina Putri
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 2 (2021): NOVEMBER
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i2.651

Penelitian ini ingin menguji sejauh mana pengaruh rasio keuangan dalam memprediksi financial distress pada Bank Umum Syariah. Bentuk penelitian ini adalah kuantitatif dengan analisis regresi logistik menggunakan SPSS versi 20. Objek penelitian ini adalah Bank Umum Syariah periode 2017-2019 dengan jumlah sampel 11 BUS yang ditentukan dengan teknik purposive sampling Hasil penelitian ini menunjukkan bahwa capital adequacy ratio berpengaruh secara signifikan dengan arah negatif terhadap financial distress dengan nilai signifikansi 0,013 dan nilai koefisien -0,132. Return on equity tidak berpengaruh secara signifikan dengan arah negatif terhadap financial distress dengan nilai signifikansi 0,273 dan nilai koefisien -0,140. Return on assets berpengaruh secara signifikan dengan arah negatif terhadap financial distress dengan nilai signifikansi 0,003 dan nilai koefisien -4,026.

PARTISIPASI PENYUSUNAN ANGGARAN DAN MOTIVASI KERJA TERHADAP KINERJA MANAJERIAL BANK SYARIAH Rosydalina Putri
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.593

This study intends to obtain empirical evidence of the effect of budgeting participation and work motivation on managerial performance. The study was implemented in all Islamic Commercial Banks in Bandar Lampung in 2020. Data was collected by questionnaire sent to the leaders and employees that are directly related to expenditures and the determination of operational costs at Islamic Commercial Banks in Bandar Lampung. Of the 68 questionnaires distributed, there were 46 questionnaires that were returned or received with a 67,64% response rate. The data obtained were processed using The 3th version SmartPLS software with test results on the parameter coefficient between participation in budgeting and managerial performance. There was a positive effect with a t-statistic value of 3.981 and significant at 0.05. The second test result on the parameter coefficient between work motivation and managerial performance has a positive effect with a t-statistic value of 22.051 with a significant level of 0.05. The conclusion from this study states that budgetary participation and motivation to work together have an influence in determining managerial performance in Islamic banking in Bandar Lampung.

Pengaruh Inflasi Nilai Tukar Rupiah Dan Harga Emas Dunia Terhadap Indeks Harga Saham Pertambangan PadaBursa Efek Indonesia (Periode Tahun 2016-2018) Karnila Ali; Dick Ratna Sari; Rosydalina Putri
Jurnal Bisnis Darmajaya Vol 5, No 2 (2019): Jurnal Bisnis Darmajaya
Publisher : Institut Informatika Dan Bisnis (IIB) Darmajaya

Penelitian ini di latarbelakangi oleh harga saham yang merupakan sebuah tolak ukur dari perubahan ekonomi yang di sebabkan oleh faktor makro ekonomi. tujuan penelitian ini untuk mengetahui pengaruh inflasi, nilai tukar rupiah dan harga emas dunia terhadap indeks harga saham sektor pertambangan. Dalam penelitian ini menggunakan data sekunder yaitu data yang diperoleh dari sumber kedua atau sumber tidak langsung dikumpulkan dengan metode explanatory research dan teknik pengumpulan sampel berupa laporan data bulanan dari tiap variabel sebanyak 36 bulan. Pengujian persyaratan instrumen yang digunakan Uji Data Panel (Time Series Cross Section), Uji parsial (uji t), Uji simultan (uji f), dan uji koefisien determinasi (R2). Sebagai pengujian persyaratan analisis, teknik analisis data, dan pengujian hipotesis yang digunakan adalah analisis Eviews 9. Berdasarkan hasil penelitian dengan menggunakan analisis regresi linier berganda diperoleh inflasi tidak berpengaruh positif dan signifikan terhadap harga saham, nilai tukar rupiah berpengaruh positif dan signifikan terhadap harga saham dan harga emas dunia berpengaruh positif dan signifikan terhadap harga saham. Kata Kunci — Inflasi, nilai tukar rupiah, harga emas dunia dan indeks harga saham.

Persepsi Auditor Eksternal Atas Pengaruh Kemudahan dan Kegunaan Artificial Intelligence Terhadap Kualitas Audit Yetri Martika Sari; Rosydalina Putri
JAK (Jurnal Akuntansi) Kajian Ilmiah Akuntansi Vol. 11 No. 2 (2024)
Publisher : Universitas Serang Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30656/jak.v11i2.7661

This study aims to investigate external auditors' perception of the impact of artificial intelligence's ease of use and usefulness on audit quality, while also examining the potential scepticism among external auditors towards the integration of artificial intelligence in the audit process. A quantitative approach is utilized to analyze the relationship between the variables. The research was conducted through questionnaires distributed via telegram and WhatsApp groups, email, and collaboration with IAPI. One hundred and eight valid responses were gathered from external auditors of Big Four KAP, internationally affiliated KAP - non big four, and national KAP. Findings reveal that external auditors do not exhibit a sceptical attitude towards the usage of artificial intelligence in the audit process. The test results demonstrate that external auditors' perceptions of the ease of using artificial intelligence aids in enhancing audit quality. Similarly, gauging external auditors' perceived usefulness or benefits of artificial intelligence can also lead to improved audit quality. This study's sample is limited to external auditors of financial statements at public accounting firms, and therefore the findings should not be extended to other types of auditors such as government or internal auditors. This study offers external auditors a thorough comprehension of how artificial intelligence contributes to the audit process to improve audit quality. The necessity for external auditors to improve their technical skills arises due to the increased utilization of big data by businesses. Hence, universities must provide graduates with competence in not only accounting and auditing but also the latest technology.

The Influence Of Decentralization And Management Accounting Systems On Managerial Performance In An Islamic Perspective (Studi Pada PT. Pegadaian Area Lampung) Tika Silawati; Evi Ekawati; Rosydalina Putri; Arifa Kurniawan
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i1.4974

This research is quantitative research using a Casual Associative approach. This research uses data collection techniques, interviews and data processing. Primary data was obtained directly from respondents regarding managerial performance, while secondary data in the form of theories and other support was obtained from libraries, journals and previous papers.The research results show that partial decentralization has no effect on managerial performance. It can be said that the level of decentralization does not affect managerial performance in the company. The reason is because PT. Lampung Area Pegadaian does not implement a policy of granting low management authority or delegation in decision making, such as budget planning and allocation, managerial decision making, developing innovative ideas, considering large investments, and improving work quality

Green Accounting to Supporting Sustainable Development Goals of Tourism Objects in Bandar Lampung Putri, Rosydalina
Jurnal Ilmiah Akuntansi Kesatuan In Press
Publisher : Institut Bisnis dan Informatika Kesatuan

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Government Regulation of the Republic of Indonesia Number 46 of 2017 requires all business sectors to implement environmental instruments in their economic activities. This is in line with the global action formed by the UN in 2015 to be able to realize the sustainability development goals in 2030. The tourism sector is one of the places that can educate the public in environmental conservation. This study aims to analyze the implementation of green accounting and identify the extent of the role of green accounting in supporting the sustainability development goals at tourist attractions in Bandar Lampung. The design of this study is qualitative with documents, observations and interviews in data collection. The sample of this study amounted to 11 tourist attractions in Bandar Lampung that have made financial records according to PSAK no. 1 and applied the principles of green accounting in their financial records. The findings in this study state that the implementation of green accounting in tourist parks in Bandar Lampung has been implemented well and in accordance with the provisions for recording costs in green accounting. However, in the implementation there are still several indicators that have not been met. With the implementation of the green accounting concept in its financial records, tourist attractions in Bandar Lampung have an important role in supporting the SDGs goals that have been set by the world.

Green Accounting to Supporting Sustainable Development Goals of Tourism Objects in Bandar Lampung Putri, Rosydalina
Jurnal Ilmiah Akuntansi Kesatuan Vol. 12 No. 4 (2024): JIAKES Edisi Agustus 2024
Publisher : Institut Bisnis dan Informatika Kesatuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37641/jiakes.v12i4.2759

Government Regulation of the Republic of Indonesia Number 46 of 2017 requires all business sectors to implement environmental instruments in their economic activities. This is in line with the global action formed by the UN in 2015 to be able to realize the sustainability development goals in 2030. The tourism sector is one of the places that can educate the public in environmental conservation. This study aims to analyze the implementation of green accounting and identify the extent of the role of green accounting in supporting the sustainability development goals at tourist attractions in Bandar Lampung. The design of this study is qualitative with documents, observations and interviews in data collection. The sample of this study amounted to 11 tourist attractions in Bandar Lampung that have made financial records according to PSAK no. 1 and applied the principles of green accounting in their financial records. The findings in this study state that the implementation of green accounting in tourist parks in Bandar Lampung has been implemented well and in accordance with the provisions for recording costs in green accounting. However, in the implementation there are still several indicators that have not been met. With the implementation of the green accounting concept in its financial records, tourist attractions in Bandar Lampung have an important role in supporting the SDGs goals that have been set by the world.

PEMBERDAYAAN USAHA MIKRO, KECIL, DAN MENENGAH MELALUI DIGITAL MARKETING DAN FINANCIAL REPORTING Ahmad Habibi; Rosydalina Putri; Citra Etika
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 3 (2024): Juni
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i3.22176

Abstrak: Minimnya SDM yang memiliki pengetahuan yang luas di bidang usaha, permodalan, marketing dan pengelolaan keuangan menyebabkan UMKM di Provinsi Lampung tidak mampu bertahan dan bersaing di era global. Mitra pada kegiatan pengabdian ini adalah 150 pelaku UMKM yang terdapat di 3 wilayah Provinsi Lampung yaitu; 50 orang pelaku UMKM di Kota Bandar Lampung, 50 orang pelaku UMKM di Kabupaten Lampung Timur dan 50 orang pelaku UMKM di Kabupaten Lampung Tengah. Tujuan dari kegiatan pengabdian kepada Masyarakat ini adalah untuk meningkatkan skill dalam melakukan proses pemasaran secara digital dan kemampuan membuat pencatatan laporan keuangan UMKM di Provinsi Lampung. Berdasarkan hasil evaluasi melalui kuesioner, kegiatan ini memberikan hasil peningkatan kemampuan peserta sebesar 87,5% dalam penggunaan digital marketing dan digital financial reporting.Abstract: The limitations of human resources who have good knowledge in the fields of business, capital, marketing and financial management causes MSMEs in Lampung Province become dificult to survive and compete in the global era. Partners in this service activity are 150 MSME owner in 3 regions of Lampung Province, namely; 50 MSME owners in Bandar Lampung City, 50 MSME owners in East Lampung Regency and 50 MSME owners in Central Lampung Regency. The purpose of this community service activity is to improve skills partner’s in carrying out digital marketing processes and the ability to record MSME financial statements in Lampung Province. Based on the results of the evaluation through questionnaires, this activity resulted in an increase in participants' abilities by 87.5% in the use of digital marketing and digital financial reporting.

The Effect of E-Service Quality and E-Trust on E-Customer Loyalty in the Bank Syariah Indonesia (BSI) Mobile E-Banking Application with E-Customer Satisfaction as an Intervening Variable (Case study on BSI customers in Bandar Lampung) Rizkya, Yunita Anggraini; Putri, Rosydalina
International Journal of Economic, Business & Applications Vol. 9 No. 2 (2024): International Journal of Economic, Business and Applications
Publisher : Program Pascasarjana, Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/5aegxw94

This study aims to analyze and prove the effect of E-Service Quality and E-Trust on E-Customer Loyalty in the e-Banking application of Bank Syariah Indonesia (BSI) Mobile with E-Customer Satisfaction as an Intervening variable this study there are problems at the level of use of BSI Mobile continues to increase, fraud cases, and service quality problems electronic (e-service quality) in BSI Mobile services where there are obstacles from the bank that is less responsive and less responsive. This study uses a quantitative approach using primary data and data collection by distributing questionnaires. The sample determinant uses Lemeshow formula so that the sample required is 100 respondents and the type of nonprobability sampling. Alat dalam menganalisis data adalah Structural Equation Modeling-Partial Least Square (SEM-PLS) dengan alat bantu software SmartPLS versi 4.0.Hasil penelitian menunjukkan bahwa E-Service Quality tidak berpengaruh signifikat terhadap E- Customer Loyalty ,E-trust berpengaruh positif dan signifikat terhadap E-Customer Loyalty.E-service Quality berpengaruh positif terhadap E-Customer Satisfaction .E-trust berpengaruh positif dan signifikat terhadap E-Customer Satisfaction .E-Customer Satisfaction berpengaruh positif dan signifikat terhadap E-Custumer Loyalty. E-Customer Satisfaction mampu memediasi hubungan positif dan signifikan antara E-Service Quality terhadap E-Loyalty. E-Customer Satisfaction mampu memediasi hubungan positif dan signifikan antara E-Trust terhadap E-Loyalty

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