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All Journal MUQTASID Velocity: Journal of Sharia Finance and Banking Talaa : Journal of Islamic Finance Journal of Accounting and Digital Finance Wadiah : Jurnal Perbankan Syariah Jurnal Magister Ekonomi Syariah
Yudiana, Fetria Eka
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Economics, Econometrics & Finance Social Sciences

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DIMENSI WAKTU DALAM ANALISIS TIME VALUE OF MONEY DAN ECONOMIC VALUE OF TIME Yudiana, Fetria Eka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 4, No 1 (2013): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v4i1.131-143

Abstract

The development of the Islamic finance theory today has become a hot issuediscussed, such as polemic of the concept of time value of money. This concept cored that money today is more valuable than the same amount of money in the future, so that the grounding or assumptions used by this theory is al ghunmu bila ghurmin (get results regardless of risk) and al kharaj bila dhaman (get results without issuing a charge), and it’s contrary to the principles of Islam. Then The positive time preference concept was replaced with the concept of economic value of time, this concept cored that time has economic value, not money has a time value
Manajemen Risiko dalam Prinsip Pembiayaan Mudarabah: Kajian Kontekstual Islam terhadap Risiko Yudiana, Fetria Eka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 1, No 2 (2010): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v1i2.227-244

Abstract

Risk management is one tool that can be used by companies to minimize the level of losses that are likely to occur or experienced by the company. Mudarabah is one form of cooperation in the field of finance which is based on the belief that financial trusts and investment trusts, moral hazard is one factor the risk faced by banking when they are confronted with a customer in the contract. The asymmetry of information provides opportunities for moral hazard and the occurrence of defaults that have a direct impact thelikelihood of losses for the company.
Memahami Teks dan Konteks al-Qur’an tentang Komunikasi Bisnis Yudiana, Fetria Eka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2015): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v6i1.1-24

Abstract

The purpose of this article is to construct the principles of businesscommunication which is based the Qur ’an. The author uses deductiveapproach to analyze this topic. The steps are: (1) looking for some verseswhich are relevant, (2) analyzing the text, (3) analyzing the present context,and (4) making some conclusions. Specifically, the Qur’an is not talkingabout the problem of business communication but there are some versesthat are explaining the principles of communication as qaulan balighan,qaulan maisuran, qaulan kariman, qaulan ma’rufan, qaulan layyinan, qaulansaddidan, and qaul al-Zur.Tujuan penulisan artikel ini adalah untuk mengkonstruksi prinsip-prinsipkomunikasi bisnis berdasarkan al-Qur ’an sehingga dapat disimpulkanbeberapa prinsip yang menjadi landasan dalam melakukan komunikasi bisnis.Analisis yang digunakan dalam penulisan artikel ini adalah dengan menggunakan pendekatan deduktif analisis tematik, dengan sistematika sebagai berikut penulis mencari beberapa ayat yang secara teks relevan, kemudian dianalisis secara teks dan konteks ayat, analisis konteks kekinian dan analisis praksis serta simpulan. Al-Qur’an secara spesifik tidak membicarakan masalah komunikasi bisnis, namun, jika diteliti (ada) banyak ayat yang memberikan gambaran umum prinsip-prinsip komunikasi. Dalam hal ini, penulis akan merujuk kepada tema-tema khusus yang diasumsikan sebagai penjelasan dari prinsip-prinsip komunikasi tersebut. Antara lain, term qaulan balighan, qaulan maisuran, qaulan kariman, qaulan ma’rufan, qaulan layyinan, qaulan sadidan, juga termasuk qaul al-zur, dan lain-lain. Berdasarkan analisis praksis yang sudah dilakukan maka prinsip-prinsip komunikasi bisnis yang dapat diturunkan dari ayat-ayat al Quran adalah sebagai berikut: conciseness, completeness, concreteness, clarity, consideration, courtesy, correctness.
Modifikasi Branchless Banking Pada Perbankan Syariah di Indonesia Berdasarkan Kearifan Lokal Yudiana, Fetria Eka
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah Vol 9, No 1 (2018): MUQTASID: Jurnal Ekonomi dan Perbankan Syariah
Publisher : IAIN Salatiga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18326/muqtasid.v9i1.14-28

Abstract

AbstractSharia banking is a business institution that reflects the existence of sharia economy which is closely related to social life of the community. The purpose of this research is to develop a branchless banking model, by analyzing and designing models based on related literature studies. By using qualitative analysis based on theory and literature study, it can be concluded that the development of branchless banking model in Indonesia especially in sharia banking is more appropriate if it combines technology and local wisdom aspect as it is more suitable with character of cultural diversity, religion and geographical position of Indonesia. Local culture understood by sharia banking can be an advantage in developing branchless banking. Thus sharia banking must have the ability to cooperate with local economic units. The design of branchless banking model is integrated, workable and prudent banking sharia, so as to reach more people, especially unbanked people, in accordance with the basic principles of sharia banking in Indonesia. Integrated and in accordance with international standards will be able to increase market share of sharia banking in Indonesia.AbstrakPerbankan syariah adalah institusi bisnis yang mencerminkan eksistensi ekonomi syariah sangat terkait dengan kehidupan sosial masyarakat. Tujuan penelitian ini adalah mengembangkan sebuah model branchless banking,dengan menganalisis dan mendesain model berdasarkan studi literatur terkait. Dengan menggunakan analisis kualitatif  berdasarkan teori dan studi literatur dapat disimpulkan bahwa pengembangan modelbranchless banking di Indonesia terutama pada perbankan syariah lebih tepat jika memadukan teknologi dan aspek kearifan lokal karena lebih sesuai dengan karakter keragaman budaya, agama dan letak geografis Indonesia. Budaya lokal yang dipahami oleh perbankan syariah dapat menjadi keuntungan dalam mengembangkan branchless banking. Sehingga Perbankan syariah harus memiliki kemampuan untuk bekerjasama dengan unit ekonomi lokal. Desain model branchless bankingpada perbankan syariah yang terintegrasi, workable dan prudent, sehingga dapat menjangkau lebih banyak masyarakat terutama unbanked people, sesuai dengan prinsip dasar perbankan syariah di Indonesia, terintegrasi dan sesuai dengan international standard akan dapat meningkatkan market share perbankan syariah di Indonesia 
Faktor-Faktor Yang Mempengaruhi ROA Dengan Size Sebagai Variabel Moderating Pada BUS Periode 2015-2020 Fatikha, Niswatun; Yudiana, Fetria Eka
Velocity: Journal of Sharia Finance and Banking Vol 1 No 2 (2021): November 2021
Publisher : Department of Islamic Banking, Faculty of Islamic Economics and Business, Institut Agama Islam Negeri Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (722.269 KB) | DOI: 10.28918/velocity.v1i2.4415

Abstract

Tujuan penelitian ini adalah untuk menganalisis sejauh mana pengaruh Leverage, Islamic Corporate Governance dan Intellectial Capital terhadap Return on Assets dengan Size sebagai variabel moderating pada Bank Umum Syariah di Indonesia periode 2015-2020. Sampel penelitian ini adalah 11 Bank Umum Syariah di Indonesia yang menerbitkan annual report secara rutin pada web masing-masing bank. Metode pemilihan sampel disini adalah teknik purposive sampling. Analisis data pada penelitian ini yaitu ada uji statistik deskriptif, uji stasioneritas, analisis data panel, uji hipotesis, uji asumsi klasik, dan uji MRA. Hasil pengujian parsial (uji t) menunjukkan bahwa Leverage tidak berpengaruh signifikan terhadap ROA, sedangkan ICG, IC dan Size berpengaruh positif dan signifikan terhadap ROA. Kemudian hasil pengujian simultan (uji f) menyatakan Leverage, ICG dan IC secara bersama-sama berpengaruh positif dan signifikan terhadap ROA. Selanjutnya uji MRA menunjukkan bahwa variabel Size secara signifikan dapat memperkuat pengaruh Leverage terhadap ROA. Namun variabel Size secara signifikan memperlemah pengaruh ICG dan IC terhadap ROA.
Peran islamic corporate social responsibility dalam memediasi pengaruh ukuran perusahaan, leverage, likuiditas, dan kecukupan modal terhadap kinerja keuangan Pratiwi, Efa Mega; Yudiana, Fetria Eka
Journal of Accounting and Digital Finance Vol. 3 No. 2 (2023): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53088/jadfi.v3i2.825

Abstract

This research aimed to determine the effect of company size, leverage, liquidity, and capital adequacy on financial performance as intervening variables in Islamic commercial banks for 2015-2019. The data used is quantitative data, which is measured on a numerical scale. The data type used is secondary data obtained from financial reports of Islamic commercial banks in Indonesia from 2015 to 2019. The method for testing hypotheses uses a path analysis approach. This research shows that the DER, CAR, and ICSR variables significantly affect ROA, but the SIZE and FDR variables have no effect on ROA. The SIZE, DER, and FDR variables significantly affect ICSR, but the CAR variable has no effect on ICSR. The ICSR variable can mediate only the DER variable, while the SIZE, FDR, and CAR variables do not.
Determinants Of The Profitability Of Islamic Commercial Banks In Indonesia Tusiyani, Ira; Yudiana, Fetria Eka
WADIAH Vol. 8 No. 2 (2024): Wadiah: Jurnal Perbankan Syariah
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/wadiah.v8i2.1445

Abstract

Factors that influence bank profitability can come from various performances. One of the profitability ratios used is Return On Assets (ROA), which is a profitability ratio that shows the percentage of profits to determine the company's efficiency in managing assets to generate profits. Other factors that influence profitability include Third Party Funds and Non-Performing Finance. The aim of this research is to examine the influence of DPK and NPF on profit sharing financing at Islamic commercial banks in Indonesia in 2016-2020. This type of research is quantitative, using data collection techniques with purpose sampling. This research also uses panel data analysis techniques, namely a combination of time series and cross section data. The panel data regression model is a combination of data from a number of objects within a certain time period. The total population is 14 Islamic commercial banks in Indonesia, with a sample size of 10 Islamic commercial banks in accordance with the characteristics of this research. This research uses a panel data regression analysis method which is processed using eviews 10. The results of this research are that DPK has a negative and insignificant effect on profitability. NPF has a positive and insignificant effect on profitability. Profit sharing financing has a positive and significant effect on profitability. DPK has a positive and significant effect on profit sharing financing. NPF has a negative and significant effect on profit sharing financing. Profit sharing financing does not mediate TPF and NPF on profitability. 
Analysis of the Impact of Financial Performance on the Stock Prices of Publicly Traded Islamic Banks with Interest Rate as a Moderating Variable Kodri, Kodri; Yudiana, Fetria Eka
Talaa : Journal of Islamic Finance Vol. 4 No. 1: June 2024
Publisher : Department of Sharia Financial Management, Institut Agama Islam Negeri Sultan Amai Gorontalo, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54045/talaa.v4i1.748

Abstract

This study aims to analyze the impact of financial performance on the stock prices of publicly traded Islamic banks, with interest rates as a moderating variable. The focus of this research is on Islamic banks in Indonesia listed on the Indonesia Stock Exchange during the period 2018 to 2023. The independent variables used in this study are the financial performance of Islamic banks measured by Return on Assets (ROA), Capital Adequacy Ratio (CAR), and Financing to Deposit Ratio (FDR). The dependent variable is the stock prices of Islamic banks, while the interest rate is used as a moderating variable. Data collection was conducted through the analysis of financial reports of Islamic banks and Islamic stock index data. The results of the study indicate that financial performance has a significant impact on the stock prices of Islamic banks, and interest rates strengthen this effect. This research is expected to contribute to investment decision-making in the Islamic banking sector and provide insights for Islamic banks to improve their financial performance.
The The Effect of Intellectual Capital on Financial Performance with Financial Distress as A Moderation Variable Kartikasari, Devanti; Yudiana, Fetria Eka
Jurnal Magister Ekonomi Syariah Vol. 2 No. 1 Juni (2023): J-MES: Jurnal Magister Ekonomi Syariah
Publisher : Program Studi Magister Ekonomi Syariah, Fakultas Ekonomi dan Bisnis Islam, Universitas Islam Negeri Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/jmes.2023.021-08

Abstract

Increasing the performance company is the objective main for the company For attract investors. Financial performance can be used by management to make decisions. Financial performance information is very important for investors as a tool for choosing investments. The company's financial performance shows its ability to use the existing resources of the company as well as possible in order to generate profit or income. The objective of the study is To know the influence of intellectual capital, sales growth, and leverage on performance finances, and know is financial distress can moderate the relationship between independent and dependent variables. Population in study This is a company registered manufactures _ in the Indonesian Sharia Stock Index (ISSI) and obtained a sample of as many as 20 companies. Study This using multiple linear regression techniques and Moderating Regression Analysis (MRA) with application eviews. Research results This shows that influential intellectual capital has a positive significance on performance finance, sales growth No influence on performance finance, leverage significant negative effect on performance finance, financial distress capable moderate influence on intellectual capital to performance finance, financial distress No capable moderate influence sales growth to performance finance, financial distress No capable moderate influence leverage to performance finance.
Pengaruh tingkat likuiditas, Islamic corporate governance dan efisiensi operasional terhadap kinerja keuangan dengan risiko pembiayaan sebagai variabel moderating Yastutik, Indri; Yudiana, Fetria Eka
Journal of Accounting and Digital Finance Vol. 1 No. 3 (2021): Journal of Accounting and Digital Finance
Publisher : Nur Science Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (455.454 KB) | DOI: 10.53088/jadfi.v1i3.178

Abstract

This study aims to determine the effect of liquidity level, Islamic corporate governance (ICG), and operational efficiency on financial performance with financing risk as a moderating variable. The type of research used is quantitative, and the type of data used is secondary data with the population used is Islamic Commercial Banks that meet the criteria. The sampling technique in this study used a purposive sampling technique. So the sample used as the object of research is 11 Islamic Sharia Commercial Banks in Indonesia for the 2015-2019 period. The data analysis technique used is the MRA test. The results of this study indicate that the FDR, ICG, and NPF variables have a significant adverse effect on ROA, while BOPO has a significant positive effect on ROA. Moreover, the NPF variable can moderate the effect of FDR and BOPO on ROA, while the NPF variable cannot moderate the effect of ICG on ROA.
Co-Authors Amalia, Nurika Rizki Fatikha, Niswatun Hadri Kusuma Kartikasari, Devanti Kodri Kodri, Kodri Pratiwi, Efa Mega Priantoro, Maulana Agung Qiyam, Ibnu Tusiyani, Ira Yastutik, Indri