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All Journal IJBE (Integrated Journal of Business and Economics) Islamic Banking and Finance Budgeting: Jurnal Akuntansi Syariah Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah
Hendri, Loni
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Religion Humanities Economics, Econometrics & Finance Education Social Sciences

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DIGITALIZING ISLAMIC BANKS: LEARNING FROM BANK SYARIAH MANDIRI Hendri, Loni; Utami Fattah, sari
Islamic Banking and Finance Vol. 2 No. 1 (2022)
Publisher : Faculty of Islamic Economics and Business

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30863/ibf.v2i1.3789

Abstract

This research aims to understand how BSM uses digital in its business development and what action other Islamic Bank could take from it to develop their digital utilization.Descriptivecritical analysis is used in this paper. The analysis began by presenting the understanding about digital role on Islamic Bank development and digitalization done by BSM. Analysis continued to digitalization done by BSM and its impact on Islamic Bank development so what action other Islamic Bank should do,what idea could be taken from it. Based on analysis, four things could be taken from BSM success using digital in its services: first, focus on young generation which can easily adapt with technology. Second, digital services improvement. Third, massive socialization. Forth, strong image of Islamic Bank built. Policy recommendation: first, strengthening regulation on safety and pleasure in digital-based transaction. Second, monitoring on shariah aspects in digital-based transaction offered by Islamic Bank.
Islamic Banking and Fintech : Sustainable Collaboration Jel G21, G23 Khudhori, Khairul Umam; Hendri, Loni
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2021)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v7i2.3666

Abstract

This paper aims to conclude the best collaboration form between Islamic Banking and Syariah Fintech which is beneficial for both of them and also beneficial for customer. Descriptive-critical analysis is used in this paper. The analysis began by presenting collaboration forms between Bank and Fintech, then the forms are analyzed to find the most beneficial collaboration form for Islamic Banking, Syariah Fintech and customer.The result shows that the most beneficial collaboration form is collaboration between Islamic Banking and Syariah Fintech to increase financing services. By this form of collaboration, Islamic Banking could use the network of Syariah Fintech to channelize the financing to its customer which is untouchable before. This collaboration needs detail regulation and policy to protect every single entity included in it collaboration.
Deteksi Dini Krisis Lewat Profit And Loss Sharing (PLS) Khudhori, Khairul Umam; Hendri, Loni
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 1 (2020)
Publisher : Faculty of Economics and Islamic Business, UIN Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v6i1.3539

Abstract

Financial crisis is a danger that always haunts financial stability of every country. Islamic finance as the new comer also gets into this trouble. Fortunately, Islamic finance system is stronger than conventional facing the crisis. This strong may come from its principles that support it. This paper uses a library research to examine the PLS system and it benefits to financial stability. The finds of this paper are Islamic financial system is more stable than conventional one, and  PLS system can be used as the early warning of financial crisis.
"Black Hole" Debt Restructuring and Banking Measures Strengthening Performance and Role of Intermediation: Islamic and Commercial Bank In Indonesian Fasa, Muhammad Iqbal; Hendri, Loni; Suharto, Suharto
Integrated Journal of Business and Economics (IJBE) Vol 5, No 1 (2021): Integrated Journal of Business and Economics
Publisher : Universitas Bangka Belitung

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (287.986 KB) | DOI: 10.33019/ijbe.v5i1.314

Abstract

This research aims to find credit restructuring "black hole," then draw some steps banks should do to strengthen its performance and its role as financial intermediary in COVID-19 condition. The descriptive-critical analysis is used in this paper. The analysis began by presenting data on credit restructuring, its forms used by national banks, and credit restructuring policy issued by OJK to anticipate negative impact of COVID-19 on banking activities. Analysis continued to application of the policy to find credit restructuring "black hole" on banks' performance and its intermediary financial role. Based on the analysis, some steps are recommended to followed by banks to strengthen its performance and intermediary financial role. This research found some credit restructuring "black hole." First, credit restructuring needs high capital and liquidity so that the banks which have low capital will be in trouble and will affect financial system nationally. Second, credit restructuring needs some sorting process, which will exclude unpotential debitur. Third, uncertainty of recovery process of debitur as impact of COVID-19. Forth, how long banks could use credit restructuring while maintaining its performance and intermediary financial role. Hence, credit restructuring would not be enough for banks to play its role in supporting debitur, maintain its business, strengthen its performance and intermediary financial role, and positively play role for economic growth and society. This research suggests five concrete steps banks could use to strengthen its performance and financial intermediary role.    
Apakah Perusahaan dengan ESG Tinggi Memiliki Kinerja Keuangan yang Lebih Baik? Renfiana, Lilis; Hendri, Loni; Idaman, Northa
Budgeting: Jurnal Akuntansi Syariah Vol. 6 No. 2 (2025): Budgeting: Jurnal Akuntansi Syariah, Desember 2025
Publisher : PROGRAM STUDI AKUNTANSI SYARIAH FAKULTAS SYARIAH DAN EKONOMI ISLAM IAIN SYAIKH ABDURRAHMAN SIDDIK BANGKA BELITUNG

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32923/yg7gdg69

Abstract

Environmental, Social, and Governance (ESG) issues have gained global prominence in sustainable investing, yet empirical evidence on their relationship with corporate profitability in emerging markets like Indonesia remains limited and inconsistent. This study examines differences in profitability, measured by Return on Assets (ROA), among companies with varying ESG performance categories on the Indonesia Stock Exchange. A comparative quantitative method was applied to a sample of 84 companies classified into three ESG categories (Good, Medium, Poor) based on Sustainalytics scores. Data analysis employed descriptive statistics, Shapiro-Wilk normality test, and the non-parametric Kruskal-Wallis test. The results revealed no statistically significant differences in ROA among the three ESG groups (H = 4.452, p = 0.108). An interesting finding emerged from the numerical pattern showing the "Poor" ESG group achieved the highest average ROA (6.38%), followed by the "Medium" (4.99%) and "Good" (4.75%) groups. This study concludes that no significant relationship exists between ESG performance and short-term profitability in the context of Indonesia's capital market. The research implications highlight the importance of long-term perspectives in ESG integration and the need for strategic approaches that consider the specific characteristics of emerging markets.
Co-Authors Khudhori, Khairul Umam Muhammad Iqbal Fasa Northa Idaman Renfiana, Lilis Suharto Suharto Utami Fattah, sari