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All Journal SEIKO : Journal of Management & Business Banco: Jurnal Manajemen dan Perbankan Syariah Makkareso : Riset Pengabdian Masyarakat Islamic Financial And Accounting Review Widya Cipta : Jurnal Sekretari dan Manajemen
Budiono, I Nyoman
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Religion Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Physics Social Sciences Other

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Meningkatkan Literasi Keuangan Syariah Melalui Pelatihan Sistem Operasional Perbankan Syariah Bagi Guru dan Siswa UPTD Sman 5 Parepare Budiono, I Nyoman; Arifin, Asriadi; Rahma; Harfiana, Fidia
Makkareso: Riset Pengabdian Masyarakat Vol 1 No 2 (2023): Makkareso: Riset Pengabdian Masyarakat
Publisher : Jurnal Makkareso

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/makkareso.v1i2.7141

Abstract

Sharia banking is a financial institution that has a very important role in supporting the national economy and choosing the same direction for Islamic economic development as envisioned by the Government, but despite this, sharia banking still has several obstacles related to several things, one of which is Sharia bank users are still minimal due to the low level of sharia financial literacy. This community service aims to socialize sharia financial literacy through sharia banking training for UPTD students at SMA Negeri 5 Parepare so that this activity is expected to increase the financial literacy of the participants. The method used is pre test and post test, and this stage consists of preparation, implementation and evaluation stages. The results show that there is a very significant increase in the level of sharia financial literacy in sharia banking products among UPTD students at SMA Negeri 5 Parepare, as in the previous pre-test the average score obtained by students was 52.75, while in the post-test after the material was given it showed the value is 90.5.
Integrating Local Culture to Work Ethics: A Holistic Approach to Mitigating Problematic Financing in Islamic Banks Budiono, I Nyoman; Abu Bakar, Ahmad; Haddade, Hasyim; Daily, Syarmillah; Husain, Hartina
BANCO: Jurnal Manajemen dan Perbankan Syariah Vol 6 No 2 (2024): Banco: Jurnal Manajemen dan Perbankan Syariah
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/banco.v7i1.8784

Abstract

Purpose – This study aims to explore the integration of Siri' culture, Islamic work ethic, and the 5C principles in preventing problematic financing in Islamic banks, particularly within the Bugis-Makassar community. Method – Using a qualitative approach, the research employed interviews, document analysis, and field observations to gather data. Thematic analysis was conducted to identify patterns and insights related to the interplay of cultural, ethical, and technical frameworks in financing practices. Findings –. The results reveal that Siri' culture fosters high moral responsibility among customers, enhancing their commitment to fulfilling financial obligations. Islamic work ethic strengthens accountability and transparency among bank employees, while the 5C principles provide a structured framework for financing decisions.. Practical implications – Banks can incorporate cultural dimensions, such as Siri' values of honesty (ada' tongeng), respect (sipakatau), and adherence to principles (getteng), into their credit analysis frameworks. This approach can enhance the quality of financing decisions by integrating ethical and moral considerations with technical assessments.. Originality/value – holistic approach, integrating cultural, ethical, and technical dimensions to mitigate financing risks
Analisis Komparatif Kualitas Pelayanan Nasabah Pengguna Aplikasi Digital Dan Manual Pada Pegadaian Syariah Sidrap Wardani, Safira; Soumena, Moh Yasin; Musmulyadi, Musmulyadi; Subair, Muhammad Kamal; Budiono, I Nyoman
SEIKO : Journal of Management & Business Vol 6, No 2.1 (2023)
Publisher : Program Pascasarjana STIE Amkop Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37531/sejaman.v6i2.5971

Abstract

The presence of the Digital Sharia Pegadaian Application is not only able to save customers' time in making transactions, but customers also get many other advantages and benefits. In line with technological developments, the majority of Pegadaian Syariah Sidrap customers receive manual transaction services. The aim of this research is to find out the comparative comparison of users of the Pegadaian Syariah Digital and Manual application services. This research uses a qualitative approach and collects data using a field research approach. The data analysis technique used is a qualitative interactive analysis technique. The research results found that users of online and manual services at Pegadaian Syariah Cab. Sidrap, customer of Pegadaian Syariah Cab. Sidrap still uses a lot of manual services compared to online services, only ten persen of the results of interviews with service users via the Pegadaian Syariah Digital application compared to manual services. Due to the lack of customer understanding of the Digital Sharia Pawnshop application and the institution's outreach to customers is still lacking. Keyword : Comparative, Service Quality, Online, Sharia Pawnshop.
THE INFLUENCE OF MUDHARABAH AND MUSYARAKAH FINANCING ON THE FINANCIAL PERFORMANCE OF SHARIA BANKING IN INDONESIA -, Nur Arnis Irmawati; Frihatni, Andi Ayu; Budiono, I Nyoman
Islamic Financial And Accounting Review Vol 3 No 1 (2024): Islamic Financial And Accounting Review
Publisher : Institut Agama Islam Negeri Parepare

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35905/ifar.v3i1.13200

Abstract

Mudharabah financing refers to income derived from a partnership arrangement in which the first party provides the full capital, while the second party is responsible for managing the funds. Profits from the business venture are distributed according to a mutually agreed contract, whereas any losses are entirely borne by the Islamic bank, unless the fund manager is proven to have acted intentionally, negligently, or in breach of the agreement. In contrast, musyarakah financing is income obtained from a cooperative agreement between a capital provider and a fund manager for a specific business, in which both parties agree to share profits and bear the risks based on a predetermined mutual agreement. This study aims to investigate whether musyarakah and mudharabah financing influence the financial performance of Islamic banking in Indonesia. The research applies an associative quantitative method, utilizing secondary data collected through documentation techniques. Data were analyzed using SPSS version 25, with classical assumption tests and hypothesis testing employed to assess the relationships. The research findings indicate that mudharabah financing, when examined individually, does not have a significant impact on financial performance. This is supported by the t-test results, where the calculated t-value (1.791) is less than the t-table value (2.06), and the significance value (0.087) exceeds 0.05. Similarly, musyarakah financing also does not have a significant influence on financial performance, as shown by the t-test result where the calculated t-value (0.274) is less than the t-table value (2.06), with a significance value of 0.786, which is greater than 0.05. However, when tested simultaneously, mudharabah and musyarakah financing together show a significant influence on financial performance. This is demonstrated by the F-test result, in which the calculated F-value (4.244) is greater than the F-table value (3.36), and the significance level (0.027) is below the 0.05 threshold.
The Performance of Islamic Bank in Terms of Human Resources, Outstanding Loans, and NPF: Mann-Whitney Analysis Budiono, I Nyoman; Husain, Hartina; St. Nurhayati; Kadir, Syahruddin; Fauzia, Nurul; Muhlisa, Nurul
Widya Cipta: Jurnal Sekretari dan Manajemen Vol. 10 No. 1 (2026): March
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/widyacipta.v10i1.9778

Abstract

Sharia banks act as financial institutions that perform financial intermediary functions, connecting parties with excess funds with parties in need of funds. The pandemic era in early 2020 is one of the most striking examples that shows the serious impact of macroeconomic changes on Islamic banking in Indonesia. This study focuses on the performance of Islamic banking. It aims to analyze changes in four variables: number of branches, number of human resources, outstanding financing, and Non-Forming Finance in Islamic banks, both before and during the pandemic. The method used is a statistical approach sourced from secondary data published by the OJK, which includes a sample of 12 Islamic commercial banks and 21 Islamic business units. The analysis technique used is a descriptive comparative analysis of the results of the Mann-Whitney statistical test. The results of this study, based on the analysis using the Mann-Whitney test, indicate significant differences in these variables between the periods before and during the COVID-19 pandemic in the Islamic banking sector. Therefore, a strategic response is needed from the Islamic banking sector in addressing changes in the economic situation and customer behavior influenced by external factors such as the pandemic. The importance of adaptation by the Islamic banking sector in facing a pandemic, as well as the importance of better risk management in managing business growth and credit risk.
Co-Authors -, Nur Arnis Irmawati Abu Bakar, Ahmad Arifin, Asriadi Daily, Syarmillah Fauzia, Nurul Frihatni, Andi Ayu Haddade, Hasyim Harfiana, Fidia Husain, Hartina Kadir, Syahruddin Muhlisa, Nurul Musmulyadi Musmulyadi Rahma Soumena, Moh Yasin St. Nurhayati Subair, Muhammad Kamal Wardani, Safira