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All Journal IQTISHADIA Justisia Ekonomika Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam
Himmawan, M Fikri
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Economics, Econometrics & Finance

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Digitalization and Efficiency: Technology-based Service of Indonesia Sharia Commercial Banks Bella, Firsty Izzata; Himmawan, M Fikri
IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.8983

Abstract

This study aims to assess the technology-based service effectiveness on bank profitability as well as to evaluate the efficiency and stability of Islamic Commercial Banks in Indonesia. The model was analyzed by using multiple linear regressions with generalized least square estimation technique and Data Envelopment Analysis (DEA) with data are gathered from Q1 2017 to Q2 2020. The exogenous variables included were Branchless Banking (BB), Third-party Funds (DPK), and Technology Service Quality (TSQ), with banking operational income (PENDOP) as endogenous variable. The DEA method analyses the VRS and CRS scale while using output orientation. Using the inputs of DPK, operational expenses, and total funding, with the outputs of operational earnings and total assets. The main finding suggests that DPK played as a dominant variable, following by TSQ and BB on bank operational income. Moreover, the results of the DEA models showed in four quadrants in each CRS and VRS model. Respectively, 1 and 5 banks are highly efficient and stable, 5 and 2 banks have high efficiency but low stability, 4 and 2 banks have low efficiency but high stability, 4 and 5 banks have low efficiency and stability in the CRS and VRS model.
Digitalization and Efficiency: Technology-based Service of Indonesia Sharia Commercial Banks Bella, Firsty Izzata; Himmawan, M Fikri
IQTISHADIA Vol 14, No 2 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i2.8983

Abstract

This study aims to assess the technology-based service effectiveness on bank profitability as well as to evaluate the efficiency and stability of Islamic Commercial Banks in Indonesia. The model was analyzed by using multiple linear regressions with generalized least square estimation technique and Data Envelopment Analysis (DEA) with data are gathered from Q1 2017 to Q2 2020. The exogenous variables included were Branchless Banking (BB), Third-party Funds (DPK), and Technology Service Quality (TSQ), with banking operational income (PENDOP) as endogenous variable. The DEA method analyses the VRS and CRS scale while using output orientation. Using the inputs of DPK, operational expenses, and total funding, with the outputs of operational earnings and total assets. The main finding suggests that DPK played as a dominant variable, following by TSQ and BB on bank operational income. Moreover, the results of the DEA models showed in four quadrants in each CRS and VRS model. Respectively, 1 and 5 banks are highly efficient and stable, 5 and 2 banks have high efficiency but low stability, 4 and 2 banks have low efficiency but high stability, 4 and 5 banks have low efficiency and stability in the CRS and VRS model.
TINJAUAN HUKUM SYARIAH PADA PRODUK ASURANSI BERKAH SAVELINK (STUDI KASUS PADA PT MANULIFE INDONESIA) aliyah, faridatul; Himmawan, M Fikri
Jurnal Justisia Ekonomika: Magister Hukum Ekonomi Syariah Vol 4 No 2 (2020)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/justeko.v4i2.6560

Abstract

Abstrak Indonesia sebagai negara yang besar didominasi oleh umat muslim merupakan peluang pasar yang besar sekaligus tantangan bagi perusahaan asuransi dalam meningkatkan penetrasi pasar. Berbagai strategi dilakukan oleh pihak asuransi, salah satunya adalah ekspansi pada produk asuransi syariah. Penelitian ini menguji apakah penerapan prinsip syariah pada produk asuransi Berkah Savelink Manulife. Penelitian menggunakan metode studi kasus dengan populasi nasabah asuransi Berkah Savelink Manulife Indonesia. Teknik sampling yang digunakan adalah simple random sampling. Jenis penelitian adalah kuantitatif dengan dengan menggunakan metode principal component analysis (PCA). Hasil ekstraksi faktor berhasil mereduksi 15 variabel menjadi 2 faktor.Kata kunci:  Asuransi Syariah, Ekonomi Syariah, Asuransi Unitlink, PCA
Co-Authors aliyah, faridatul Bella, Firsty Izzata