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PENGARUH TINGKAT LITERASI MAHASISWA PERBANKAN SYARIAH TERHADAP INKLUSI KEUANGAN PRODUK PERBANKAN SYARIAH DALAM TRANSAKSI E_COMMERCE Nur Melinda Lestari
Ekonomi Islam Vol. 10 No. 2 (2019): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA
Publisher : Universitas Muhammadiyah Prof Dr Hamka

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (792.876 KB)

Abstract

Survey of the Financial Services Authority (OJK) in early 2018 showed sharia financial literacy levels were only 8% based on inclusion rates, for sharia banks themselves reaching highest literacy rates of 6,6% literacy rates and 9% inclusion rates, this was the goal of the banking sharia, of the many obtained in each academic year, must be able to contribute to development of shariah banking literacy levels. Student markets are large for e-commerce and the market. This study looks at the level of financial inclusion of Islamic banking in e-commerce transactions. The instrument test was conducted to test the quality of the instruments used in the study using the classic assumption test, normality test, autocorrelation test, and heteroscedasticity test, the data analysis technique of this study used simple regression analysis. Keywords: Student Literacy Mahasiswa, M-banking Inclusion
INFLUENCE OF INTERNAL AUDIT,GOOD CORPORATE GOVERNANCE, ANDCORPORATE SOCIAL RESPONSIBILITY ON THE FINANCIAL PERFORMANCE OF SHARIA BANKING IN INDONESIA FOR THE 2016-2020 PERIOD Nuraini; Nur Melinda Lestari; Rahmat Dahlan; Ahmad Said Matondang; Eko Susanto
International Conference on Health Science, Green Economics, Educational Review and Technology Vol. 5 No. 1: IHERT (2023) FIRST ISSUE: International Conference on Health Science, Green Economics,
Publisher : Universitas Efarina

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54443/ihert.v5i1.317

Abstract

This study aims to determine the effect of Internal Audit, Good Corporate Governance as measured by the Board og Commissioners, Board of Directors, and Sharia Supervisory Board and Corporate Social Responsibility on Financial Performance as measured by Return on Asset (ROA) of Islamic Banking listed in Indonesia for the 2016-2020 period. This research is included in the type of causality quantitative research. The data used is secondary data in the form of financial reports published by Islamic banking companies in Indonesia for the period 2016-2020. The population used is islamic banking companies in Indonesia as many as 14 Islamic banks, then with sampling techniques using purposive sampling method so as to get a selecteed sample of 10 Islamic banks. The dara analysis method used is panel data multiple linear regression. The results showed that the independent variables of Internal Audit, Board of Commissioners, Board of Directors have a significant as measured by Return on Asset (ROA). While the independent variables of the Sharia Supervisory Board and Corporate Social Responsibility have a negative, and insignificant effect on financial performance as measured by Return on Asset (ROA). Simultaneously, the independent variables of Internal Audit, Board of Commissioners, Board of Directors, Sharia Supervisory Board, and Corporate Social Repsonsibility have a significant effect and are able to explain ROA by 62.66% and the rest is explained by other factors not examined in this thesis.
PERBANDINGAN IMPLEMENTASI TATA KELOLA KEUANGAN PADA LEMBAGA KEUANGAN SYARIAH NON BANK DI NEGARA THAILAND DAN INDONESIA Intan Nur Fajriyah; Nur Melinda Lestari
Jurnal Ilmiah Manajemen, Ekonomi, & Akuntansi (MEA) Vol 9 No 1 (2025): Edisi Januari - April 2025
Publisher : LPPM STIE Muhammadiah Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31955/mea.v9i1.5439

Abstract

Tujuan penelitian ini dilakukan untuk menganalisis perbedaan yang terjadi dalam penerapan tata kelola keuangan berdasarkan prinsip Good Corporate Governance di Negara Thailand dan Indonesia. Serta mengkaji keterkaitan antara tata kelola keuangan dengan literasi dan inklusi keuangan pada lembaga di negara tersebut. Tentu hal ini dilakukan berfokus pada Lembaga Keuangan Syariah (LKS) Non Bank, yaitu Koperasi Syariah Al-Ameen di Thailand dan BMT UMJ di Indonesia, yang mana pada kedua negara tersebut dalam pengawasan Bank of Thailand dan Kementrian Koperasi dan UMKM. Adapun hal yang melatarbelakanginya, Koperasi Syariah Al-Ameen di Thailand mampu bertahan hingga saat ini dan dapat diterima diinfrastruktur masyarakat, walaupun Thailand sangat minoritas dengan jumlah penduduk Muslimnya. Sedangkan BMT UMJ, merupakan salah satu Lembaga Keuangan Syariah (LKS) Non Bank yang berkontribusi dalam meningkatkan pertumbuhan aset IKNB selama 5 tahun terakhir. Peneliti melakukan kajian penelitian ini menggunakan metode penelitian pendekatan kualitatif studi kasus, dengan teknik pengumpulan data sumber primer dan sekunder, melalui wawancara, observasi, dokumentasi, dan rujukan referensi peneliti sebelumnya. Hasil pembahasan menunjukan adanya perbedaan standarisasi prinsip dan kebijakan dalam tata kelola di Thailand dan Indonesia. Bahwa di Thailand memiliki 4 prinsip diantaranya: (1) Bijaksana dan Efisien, (2) Tata Kelola yang Baik, (3) Adil dan Perlindungan Konsumen, dan (4) Kehati-hatian Makro. Sedangkan di Indonesia Prinsip Tata Kelola diantaranya: (1) Transparency, (2) Accountability, (3) Responsibility, (4) Independence, dan (5) Fairness.