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All Journal Jurnal Keuangan dan Perbankan HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam E-Dimas: Jurnal Pengabdian kepada Masyarakat Jurnal Ilmiah Ekonomi Islam Jurnal ASET (Akuntansi Riset) Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan OIKOS: Jurnal Kajian Pendidikan Ekonomi dan Ilmu Ekonomi International Journal of Applied Business Research Amwaluna Jurnal Ekonomi dan Keuangan Syariah Business Innovation and Entrepreneurship Journal Justisia Ekonomika Review of Islamic Economics and Finance EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) Journal of Economics and Business UBS Jurnal Manajemen Bisnis dan Keuangan Indonesian Journal of Economics and Management International Journal of Islamic Business and Management Review Jurnal Akuntansi Keuangan dan Bisnis Jurnal Riset Ekonomi Syariah Industrial Research Workshop and National Seminar Journal of Applied Islamic Economics and Finance BanKu: Jurnal Perbankan dan Keuangan Prosiding Seminar Nasional Pengabdian Masyarakat IIJSE Suhuf: International Journal of Islamic Studies
Syarief, Mochamad Edman
Magister Terapan Keuangan Dan Perbankan Syariah - Politeknik Negeri Bandung
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Pengaruh Maqashid Shariah Index dan Good Corporate Governance Terhadap Kasus Fraud Pada Bank Umum Syariah Ghifari, Muhammad Jihad Al; Syarief, Mochamad Edman; Setiawan, Setiawan; Noeridha, Noorsyah Adi
Journal of Applied Islamic Economics and Finance Vol 4 No 1 (2023): Journal of Applied Islamic Economics and Finance (October 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i1.5614

Abstract

The purpose of this study is to see whether the Maqashid Shariah Index and Good Corporate Governance have a significant effect on fraud cases that occur in Islamic Commercial Banks registered with the Financial Services Authority. The objects of this research are Islamic Commercial Banks that are registered with the OJK and publish their Annual Reports and GCG from 2017 to 2021. This research is quantitative with a descriptive study using the Sample Additive Weighting research method, classic assumption test, hypothesis testing, and panel data analysis. to see the influence between variables. The results of this study are expected to be able to describe the effect of the Maqashid Shariah Index on fraud and the effect of Good Corporate Governance on fraud.
Pengaruh Current Ratio Dan Debt To Equity Ratio Terhadap Return On Assets Sebelum Dan Selama Pandemi COVID-19 Pada Perusahaan Sektor Perdagangan, Jasa, Dan Investasi Yang Terdaftar Di ISSI Ash Shidqi, Muhammad Irsyad; Djuwarsa, Tjetjep; Hadiani, Fatmi; Syarief, M. Edman
Journal of Applied Islamic Economics and Finance Vol. 4 No. 1 (2023): Journal of Applied Islamic Economics and Finance (October 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i1.5677

Abstract

This study examines the relationship between the company's financial ratios, namely Current Ratio and Debt to Equity Ratio as independent variables to Return On Assets which are the dependent variable in companies in the Trade, Services and Investment sectors. This study uses company panel data for 2017-2021 based on the three years before and two years during the COVID-19 pandemic. COVID-19 is a moderating variable that strengthens or weakens the relationship between CR and DER on ROA. The study population is 102 trade, service and investment business sectors listed on the Indonesian Sharia Stock Index. Based on random sampling, 26 companies were obtained as samples. The results obtained show that CR, both moderated by COVID-19 and without being moderated, does not affect the ROA of the business sector. Meanwhile, DER results without being moderated by COVID-19 negatively and significantly affect ROA, then DER moderated by COVID-19 positively and significantly affects ROA. The positive relationship obtained by DER on ROA during COVID-19 is interpreted as a quasi moderator, where COVID-19 as a pseudo moderating variable is able to interact with DER thereby strengthening its negative effect on company ROA.
Analisis Pengaruh CAR, FDR, Inflasi, dan Suku Bunga BI terhadap ROA pada Bank Umum Syariah di Indonesia Shafira, Ranti Firdha; Purbayati, Radia; Hadiani, Fatmi; Syarief, M. Edman
Journal of Applied Islamic Economics and Finance Vol. 4 No. 1 (2023): Journal of Applied Islamic Economics and Finance (October 2023)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v4i1.5678

Abstract

This research has the main objective of testing how influence CAR, FDR, inflation, and BI rates on ROA of Islamic in Islamic commercial banks for the 2017-2021 period.Method the method applied is a descriptive quantitative using software Eviews12. Secondary data from website Islamic commercial banks and Bank Indonesia.By using the purposive sampling methode, the subject who met the criteria were 10 banks at OJK. The chosen model is Random Effect Model (REM). This research contributes to help expand the theory of Islamic Banking that use ROA to measure financial performance.
Pengaruh NPL dan Inflasi terhadap ROA Pada Bank BUMN Yang Terdaftar Di BEI Periode 2013 - 2023 Anggraeni, Khaerunisa Suci; Syarief, Moch. Edman
BanKu: Jurnal Perbankan dan Keuangan Vol 5, No 2 (2024): Volume 5, Nomor 2, Agustus 2024
Publisher : Program Studi Perbankan dan Keuangan Fakultas Ekonomi Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/banku.v5i2.11873

Abstract

Return On Asset (ROA) is the bank's capabillity to obtain profits from the sale or use of its assets, but the ROA metric can be affected by numerous variables, specifically, aspect originating from within and outside. One of the internal aspect that can alter ROA is credit, in credit distribution there are often non-performing loans that can affect bank revenue. Another external factor is inflation which will result in bank’s profitability value to growth or decrease. Therefore, This research aims to examine how non-performing loans and inflation impact ROA. The study focuses on state-owned banks listed on the IDX over a ten-year periode from 2013 – 2023. The study employs multiple linear reggresion as the primary method for data analysis. The findings of this investigation are derived from application of this stactical technique, the result reveal that NPL partially affected ROA and Inflation partially affected ROA. Likewise, NPL and Inflation simultaneously affect ROA.
Analisis Pembiayaan Sektor Pertanian pada BPRS dengan Perspektif Kesejahteraan dan Risiko Essa, Satrija Prajna; Burhany, Dian Imanina; Syarief, M. Edman
Jurnal Manajemen Bisnis dan Keuangan Vol 3 No 2 (2022): Oktober 2022
Publisher : https://jurnal.binamandiri.ac.id/

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51805/jmbk.v3i2.69

Abstract

This study aims to assess the effect of bias regret and overconfidence on cryptocurrency This study aims to examine the effect of two aspects that form the basis for the distribution of financing carried out by BPRS for the agricultural sector, namely farmer welfare and financing risk. This study uses a sample of 163 BPRS incorporated in the report published by the OJK with monthly data for the period 2016 to 2020. This study uses the PLS-SEM analysis method with a quantitative approach. The results of this study indicate that the welfare of farmers has a significant influence on the financing of the agricultural sector. Meanwhile, financing risk does not have a significant effect on financing the agricultural sector.
The Influence of Sharia Supervisory Board, Firm Size, and Firm Age on the Profitability of Islamic Commercial Banks in Indonesia During the 2018–2023 Period Prasetyo Widodo, Annis Azizah; Mochamad Edman Syarief; Muhammad Syaiful Nurasman
Indonesian Journal of Economics and Management Vol. 5 No. 1 (2024): Indonesian Journal of Economics and Management (November 2024)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v5i1.6567

Abstract

This study aims to analyze the influence of the Sharia Supervisory Board (SSB), firm size, and firm age on the profitability of Islamic Commercial Banks in Indonesia during the 2018–2023 period. The research employs a quantitative descriptive approach using panel data. The population includes all Islamic Commercial Banks registered with the Financial Services Authority (OJK), with a sample of 11 banks selected based on specific criteria. The data used are secondary data obtained from the annual reports of these banks. Panel data regression analysis was applied to examine the relationship between the independent variables (SSB, firm size, and firm age) and the dependent variable (profitability, measured by Return on Equity or ROE). The findings reveal that, individually, the number of SSB members, frequency of SSB meetings, expertise in economics and accounting, dual positions, and firm size do not have a significant effect on ROE. Only firm age was found to have a significant impact. The adjusted R-squared value of 2.2171% suggests that other variables outside the model play a more dominant role in explaining profitability. These findings are expected to contribute to strengthening governance and improving the performance of Islamic banking institutions. Keywords: Sharia Supervisory Board, Firm Size, Firm Age, Profitability, Islamic Commercial Banks.
Pengaruh Minat Penggunaan Mobile Banking terhadap Penghimpunan DPK di BSI Region VI Bandung Melani, Farida Andy; Syarief, Mochamad Edman; Marwansyah, Marwansyah
Jurnal Riset Ekonomi Syariah Volume 5, No. 1, Juli 2025 Jurnal Riset Ekonomi Syariah (JRES)
Publisher : UPT Publikasi Ilmiah Unisba

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/jres.v5i1.6959

Abstract

Abstrak. Kemajuan teknologi digital dan meningkatnya akses internet di Indonesia  memicu perubahan pola perilaku masyarakat dalam menggunakan layanan keuangan, salah satunya  penggunaan mobile banking. BSI sebagai bank syariah modern juga mengembangkan aplikasi BSI Mobile untuk memudahkan nasabah bertransaksi secara online. Studi ini bertujuan untuk mengevaluasi pengaruh penggunaan mobile banking terhadap penghimpunan DPK di wilayah BSI Region VI Bandung. Studi ini menggunakan metode pendekatan kuantitatif dengan teknik analisis PLS-SEM untuk menguji pengaruh antar variabel, yang melibatkan 350 nasabah aktif BSI. Hasil studi menunjukkan bahwa persepsi kemanfaatan (Perceived Usefulness) dan kemudahan penggunaan (Perceived Ease Of Use) berpengaruh terhadap sikap (Attitude) dan niat adopsi (Adoption Intention) terhadap Mobile banking. Meskipun demikian, niat adopsi tidak berpengaruh terhadap penghimpunan DPK. Temuan ini mengindikasikan bahwa keputusan nasabah untuk menyimpan dana dipengaruhi oleh faktor-faktor lain di luar adopsi teknologi, seperti tingkat kepercayaan, kebiasaan finansial, dan kualitas layanan. Penelitian ini menegaskan pentingnya inovasi digital dalam membentuk perilaku dan sikap keuangan nasabah, serta pentingnya pendekatan menyeluruh dalam strategi peningkatan DPK melalui platform digital. Abstract. The rapid advancement of digital technology and growing internet penetration in Indonesia have brought significant shifts in how people access and utilize financial services, particularly through the adoption of mobile banking. Bank Syariah Indonesia (BSI) as a modern Islamic bank has also developed the BSI Mobile application to facilitate customers in making online transactions. This study aims to evaluate the impact of Mobile banking usage on the collection of ThirdParty Funds (TPF) in the BSI Region VI Bandung. his study adopts a quantitative approach and employs the PLS-SEM analysis technique to examine the relationships among variables, with data collected from 350 active BSI customers. The findings reveal that Perceived Usefulness and Perceived Ease of Use significantly influence customer attitudes and adoption intentions toward Mobile banking. However, adoption intention does not show a direct significant effect on the collection of Third Party Funds (TPF). This finding indicates that customers' decisions to save funds are influenced by factors other than technology adoption, such as level of trust, financial habits, and service quality. This study highlights the critical role of digital innovation in influencing customers' financial behavior and attitudes, while also underscoring the need for a holistic strategy to enhance Third Party Fund (TPF) collection through digital platforms.
The relations of Sharia Financial Literacy, Financial Inclusion, and Business Sustainability : English Amiliya, Lya; Syarif, Moch. Edman; Sumiyati; Nugraha, Muhamad Arif; Muhammad Firdaus, Rifqi
Indonesian Journal of Economics and Management Vol. 5 No. 3 (2025): Indonesian Journal Of Economics and Management (July 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/ijem.v5i3.6579

Abstract

This study examines the impact of Islamic financial literacy and Islamic financial inclusion on the business sustainability of MSMEs in the Bandung Raya area. Using a quantitative approach, data were collected from 300 SMEs through structured questionnaires. The findings reveal that Islamic financial literacy significantly enhances business sustainability by fostering informed financial decision-making, ethical management, and resilience. Islamic financial inclusion also plays a critical role, providing MSMEs with access to Sharia-compliant financial services such as financing and investment, which drive growth and competitiveness. Furthermore, the study highlights the mediating role of financial inclusion, amplifying the effects of financial literacy on business sustainability. These results emphasize the interconnectedness of financial literacy and inclusion as key drivers of MSME resilience and sustainability. Stakeholders are encouraged to prioritize financial education initiatives, regulatory reforms, and innovative financial solutions to empower MSMEs and support broader economic development aligned with Islamic principles.
Does Islamic Banking Contribute to Increasing Public Welfare? Evidence from Indonesian Province Panel Data Rezeki, Fuzi Amali Sri; Limayyasa, Risma; Mufti, Fauzan Ali; Widhansetyati, Purwanti; Syarief, Mochamad Edman; Setiawan, S; Fatoni, Muhammad Iqbal
Suhuf: International Journal of Islamic Studies Vol. 36 No. 1 (2024): Mei
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v36i1.4474

Abstract

One of the Sustinable Development Goals (SDGs) targets in Indonesia is to increase the level of public welfare that can be represented in GRDP per capita. Therefore, the purpose of this study is to determine whether Islamic banking through Islamic Commercial Banks (BUS), Islamic Business Units (UUS) and Sharia Rural Banks (BPRS) in 33 provinces in Indonesia, has contributed to GRDP per capita during the 2015-2022 period. GRDP per capita as a proxy indicator for the level of public welfare to encourage the achievement of the sustainable development goals (SDGs) target. This study uses panel data regression analysis because the data is time series and cross section. The size of the Islamic banking contribution uses Islamic Bank Office (IBO), Financing and Third-Party Funds (TPF) variables in 33 provinces in Indonesia. Meanwhile, the size of the welfare level of a region uses Gross Regional Domestic Product (GRDP) per capita data. The findings of this study show that the IBO, financing, and TPF variables simultaneously have a significant positive effect on GRDP. However, partially, the IBO variable has a significant negative effect on GRDP, the financing variable has a significant positive effect on GRDP, and the TPF variable has no effect on GRDP.
The Influence of Islamic Financial Literacy, Social Environment, and Public Perception on the Interest in Using Islamic Banking Products Pebrianti, Gita Nuralipah; Syarief, Mochamad Edman
Journal of Applied Islamic Economics and Finance Vol. 5 No. 2 (2025): Journal of Applied Islamic Economics and Finance (Februari 2025)
Publisher : Jurusan Akuntansi Politeknik Negeri Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35313/jaief.v5i2.6738

Abstract

This study aims to analyze the influence of Islamic financial literacy, social environment, and public perception on the interest in using Islamic banking products among Muslim communities, particularly Generation Z in the Greater Bandung area. Data was collected through an online questionnaire distributed using a purposive sampling method, resulting in a total of 214 respondents. The data were analyzed using the Structural Equation Modeling (SEM) approach with the WarpPLS application to examine the relationships between the studied variables. The results indicate that Islamic financial literacy, social environment, and public perception significantly influence public interest in using Islamic banking products. These findings contribute significantly to the development of marketing strategies and Islamic financial education, particularly in the Greater Bandung area. The study also recommends enhancing Islamic financial literacy, strengthening the influence of the social environment, and managing positive public perception as strategic steps to expand the market share of Islamic banks in Indonesia.
Co-Authors Aditya Dais Gumara Amailiya, Lya Ambia Masthura Yussaivi Amiliya, Lya Andzar Izzurrahman Anggraeni, Khaerunisa Suci Anhar Firdaus Anita Putri Annisa Nur Safitri Annisa Suriyati Arizal Jaya Arry Irawan Arwan Gunawan Ash Shidqi, Muhammad Irsyad Azizah Nur Banter Laksana, Banter Carol Y Lu Chanda Fawwaz Mahesa Dadang Hermawan Dadang Hermawan Dadang Hermawan Dea Apriyani Destian Arshad Destian Arshad Darulmalshah Tamara Dian Imanina Burhany Diani Nabila Putri Dien Azzizah Azzahra Farhani Diharpi Herli Setyowati Dimas Sumitra Danisworo Djuwarsa, Tjetjep Dwi Suhartanto DWI SUHARTANTO Eka Nurmala Sari Elviera Maharani Endang Hatma Juniwati Essa, Satrija Prajna Fatoni, Muhammad Iqbal Fifi Afiyanti Fira Febrina Fitri, Tia Nur Fitriah Fatimah Amatilah Ghaida Aulia Purwantika Ghifari, Muhammad Jihad Al Gymnastiar, Raihan Firdaus Hadiani, Fatmi Hanifa Khoirunnisaa Heryanto Hasbi Assidiki Hasbi Assidiki Mauluddi Hendi Rohendi Indah Kumala Sari Intan Nurrachmi Intantri Lestari Iwan Setiawan Iwan Setiawan Katsirin, Khairul Khoirun Nisa Nurul Muslimah Kristianingsih Kristianingsih Kusnadi, Hani Kustyanti Leni Nur Pratiwi Leo, Gundur Liana Oktaviani Syahrir Lily Indrawati Limayyasa, Risma Lya Amailiya Maisa Frita Winesa Marwansyah Mayasari, Ine Melani, Farida Andy Mochamad Umar Mai Mufti, Fauzan Ali Muhamad Arif Nugraha Muhammad Firdaus, Rifqi Muhammad Muflih Muhammad Syaiful Nurasman Muthia Faridatunnisa Muthia Nur Soniati Nabila Nur Khairina Naila Shafia Hamid Alfani Noorsyah Adi Noer Ridha Novianti, Ira Novianty, Ira Noviatul Fitriya Nurdin, Ade Ali Pebrianti, Gita Nuralipah Pramudia, Rizkie Anugerah Prasetyo Widodo, Annis Azizah Purbayati, Radia Putri Deliana Febrianti Radia Purbayati Rani Putri Kusuma Dewi Raya Puspita Sari Hasibuan Rezeki, Fuzi Amali Sri Riauli Susilawaty Hutapea Rizkie Anugerah Pramudia Rizqia Nur Afifah Ruhadi Ruhadi Ryhan Firdausy Noor Dermawan Sembiring, Etti Ernita Setiawan Setiawan Setiawan, S Shafira, Ranti Firdha Sudjana Sudjana Suherlan, Deiana Sumiyati SUMIYATI SUMIYATI Tiara Putie Purwitasari Tjetjep Djuwarsa Tresna Pratiwi Tripuspitorini, Fifi Afiyanti Umiafifah Syafiq Dwi Cahyaningrum Widhansetyati, Purwanti Windari Driyastutik Windi Zaenudin Wiwin Roslinda Sidebang Yayat Nurhidayat Yeti Apriliawati, Yeti Yudianto, Yuda