Articles
<![CDATA[The Effect of Islamic Social Reporting on Firm Value (Case Study on Islamic Banks In Indonesia) ]]>
<![CDATA[Rahmawati Khoiriyah]]>
<![CDATA[ Journal of Research in Business, Economics, and Education Vol. 2 No. 4 (2020): August ]]>
Publisher : <![CDATA[Kusuma Negara Business School ]]>
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<![CDATA[This study aims to determine the effect of islamic social reporting against firm value. The development of ISR includes five themes, they are social, labor, enviroment, corporate governance and service/ product. This study identified 43 disclosure index items of ISR main theme. Data analysis using multiple linier regression. The data used is secondary data obtained form annual reports of islamic banks registered on Bank Umum Syariah by taking a sample of 12 islamis banks. The result indicate that islamic social reporting simultaneously influences firm value. Partially only 3 indicators that have effect on firm value, they are social influence of 0,07977; labor influence of 0,11304; and environment influence of 0,15579.]]>
<![CDATA[The Effect of Alma Relationship Implementation On Sharia Bangking In Indonesia ]]>
<![CDATA[Intan Amalia Qur'anna]]>;
<![CDATA[Rahmawati Khoiriyah]]>
<![CDATA[ Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Vol 9 No 2 (2024): Islamic Banking:Jurnal Pemikiran dan Pengembangan Perbankan Syariah - Februari 20 ]]>
Publisher : <![CDATA[Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri ]]>
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DOI: 10.36908/isbank.v9i2.1006
<![CDATA[This study aims to determine the effect of Asset Liability Management on the financial performance of Sharia Commercial Banks in 2017-2022. Asset Liability Management is the activity of optimizing the balance sheet structure of Islamic banks with various alternatives available to maximize profits while limiting risk to a minimum. The research method used in this study is quantitative, with multiple linear regression analysis using analytical methods with the help of the SPSS program, tests carried out such as regression tests and classical assumption tests with exogenous variables, namely Asset Liability Management and endogenous variables are financial performance. This research takes data from the annual financial statements of Islamic Commercial Banks, data obtained from the website of the Financial Services Authority in the financial statements for the year at Islamic commercial banks for the 2017-2022 period. In determining the sample used is purposive sampling, namely the determination of samples based on criteria, namely banking companies registered with Sharia Commercial Banks during 2017-2018. This study found that ALMA on the CAR and FDR variables had no effect on Financial Performance on the ROA variable. Meanwhile, NIM affects Financial Performance on the ROA variable. Application of ALMA to financial performance. The results of data processing show that CAR has no effect on ROA with a significant value of 0.165 and NIM has an effect on ROA with a significant value of 0.022 while FDR has no effect on ROA with a significant value of 0.135.]]>
<![CDATA[The Impact Analysis of Islamic Social Reporting Indexs on the Profitability Bank Syariah Indonesia ]]>
<![CDATA[Fadhila Nurilaizzati]]>;
<![CDATA[Rahmawati Khoiriyah]]>
<![CDATA[ Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 8 No 3 (2023) ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Surabaya ]]>
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DOI: 10.30651/jms.v8i3.20744
<![CDATA[The objective of this study is to examine the impact of Islamic Social Reporting (ISR) on the profitability of Bank Syariah Indonesia during the period of 2021-2022. Islamic Social Reporting is a manifestation of corporate responsibility towards the environment as a social concern, while adhering to Sharia principles and being answerable to Allah SWT. It aims to enhance transparency in business activities without disregarding the company's capabilities. Banking firms have traditionally relied on the Global Reporting Initiative Index (GRI) for their CSR reporting. The utilisation of the Islamic Social Reporting Index (ISR) is recommended for disclosing social performance in Sharia banking. The Islamic Social Reporting index encompasses five topics for disclosure: Finance and Investment, Products and Services, Labour, Social, Environment, and Organisational Governance. This study utilises secondary data extracted from quarterly reports available on the official website of the bank for the period of 2021-2022. The research focuses on Bank Syariah Indonesia (BSI) as its subject of study. The data processing results indicate that Islamic Social Reporting has a simultaneous impact on the profitability value. Only three parameters, labour (0.13375), social influence (0.8955), and environmental influence (0.18899), have a considerable impact on the profitability value.]]>
<![CDATA[Perbandingan Profitabilitas Bank Umum Syariah Devisa dan Non Devisa Tahun 2015-2022 ]]>
<![CDATA[Ichsan Wahab Wirayudha]]>;
<![CDATA[Rahmawati Khoiriyah]]>
<![CDATA[ Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) Vol 4 No 1 (2024): Jurnal Ilmiah Mahasiswa Ekonomi Syariah (JIMESHA) ]]>
Publisher : <![CDATA[Sekolah Tinggi Ekonomi dan Bisnis Syariah (STEBIS) Indo Global Mandiri Palembang ]]>
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DOI: 10.36908/jimesha.v4i1.288
<![CDATA[Tujuan penelitian ini ialah untuk mendapati apakah ada perbedaan signifikan profitabilitas bank umum syariah devisa dan non devisa. Rasio yang dipakai pada penelitian ini ialah return on assets (ROA) dan return on equity (ROE). Penelitian ini mengadopsi jenis penelitian komparatif. Sampel penelitian ini adalah PT Bank Muamalat Indonesia Tbk sebagai bank umum syariah devisa dan PT Bank BCA Syariah sebagai bank umum syariah non devisa. Sampel diukur dengan menggunakan purposive sampling. Data yang digunakan dalam penelitian ini adalah data sekunder berupa laporan triwulanan dan diolah menggunakan SPSS 23. Hasil penelitian menunjukkan terdapat perbedaan rasio ROA dan ROE bank umum syariah devisa dan non devisa yang signifikan. Kata Kunci: Profitabilitas, Bank Umum Syariah Devisa, Bank Umum Syariah Non Devisa, ROA, ROE]]>
<![CDATA[The Impact of Mudharabah Financing On The Advancement of Beef Cattle Industry ]]>
<![CDATA[Cahyani, Adisti]]>;
<![CDATA[Khoiriyah, Rahmawati]]>
<![CDATA[ Jurnal Iqtisaduna Vol 9 No 2 (2023) ]]>
Publisher : <![CDATA[Universitas Islam Negeri Alauddin Makassar ]]>
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DOI: 10.24252/iqtisaduna.v9i2.42704
<![CDATA[The study aims to determine the role of mudharabah financing on the development of beef cattle business in Boyolali. Mudharabah financing is a partnership contract based on the principle of profit sharing by means of one person providing his capital to another to conduct business and both parties share the profits or bear the burden of losses based on the contents of a joint agreement. MSMEs are used as an alternative to creating new jobs or jobs for the community, MSMEs have a very large function and role in encouraging the pace of economic growth. In this study using quantitative methods with primary data or questionnaire distribution as a source of data to be tested in this study and the object of research is beef cattle business. The respondents based on this study are Boyolali people who have a beef cattle business of 40 people / sample. This study used a simple linear regression test and a T test. the conclusion of the data processing results showed that the test results were partially obtained by the T Test, the significance value of 0.000 < 0.05, which means that there is a significant influence between mudharabah financing (X1) on the development of MSMEs (Y). And the regression coefficient of mudharabah financing of 0.619 means that the variable mudharabah financing (X) has a positive effect on the development of MSMEs (Y).]]>
<![CDATA[Pengaruh Ekspektasi Kinerja, Ekspektasi Upaya, Kondisi yang Memfasilitasi dan Kepercayaan terhadap Penggunaan Aplikasi investasi IPOT ]]>
<![CDATA[Mufidha Riska]]>;
<![CDATA[Rahmawati Khoiriyah]]>;
<![CDATA[Budy Prihastoro]]>
<![CDATA[ Jurnal Ekonomi Islam Vol 3 No 2 (2024): August 2024 ]]>
Publisher : <![CDATA[Scimadly Publishing ]]>
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DOI: 10.55657/iefj.v3i2.145
<![CDATA[The era of advances in information technology has caused a shift in business operations towards digital platforms, including the capital market. Capital market transactions on the Indonesia Stock Exchange (BEI) can be done online via the IPOT platform. In Indonesia the IPOT platform is the most popular application. The aim of this research was to measure behavior in using the IPOT application using the UTAUT approach. Using multiple linear regression analysis with a population of 3rd semester Faculty of Economics and Business students with a sample of 86 respondents taken with the criteria of having opened an account or used the IPOT investment application. The research results state that partially the variables of performance expectations and trust influence behavior in using the IPOT investment application. Meanwhile, business expectations and facilitating conditions have no effect on behavior in using the IPOT investment application.]]>
<![CDATA[Pengaruh Digitalisasi, Literasi Keuangan, dan Persepsi Risiko Terhadap Keputusan Investasi ]]>
<![CDATA[Resyita, Cherina Pancha]]>;
<![CDATA[Khoiriyah, Rahmawati]]>
<![CDATA[ Journal of Economics and Business Research (JUEBIR) Vol. 2 No. 2 (2023): December 2023 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta ]]>
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DOI: 10.22515/juebir.v2i2.8152
<![CDATA[This research aims to examine the influence of digitalization, financial literacy and risk perception on investment decision making. This research is a type of quantitative research that obtains primary data by distributing questionnaires. The population in this study were students from the Faculty of Economics and Islamic Business, Raden Mas Said State Islamic University, Surakarta who had made investment. The sample in this research was selected using a non-probability method in the form of a purposive sampling technique. The samples used in this study amounted to 100 samples.. Data analysis was carried out using multiple linear regression analysis supported by the IBM Statistics SPSS 23 program. The research results show that there is a significant influence.]]>
<![CDATA[Persepsi Risiko dan Pengetahuan terhadap Minat dalam Penggunaan Layanan Online-Only Bank (Bank Digital tanpa Offline Store) ]]>
<![CDATA[Najma Nur Maulida]]>;
<![CDATA[Khoiriyah, Rahmawati]]>
<![CDATA[ Journal of Economics and Business Research (JUEBIR) Vol. 3 No. 1 (2024): June 2024 ]]>
Publisher : <![CDATA[Fakultas Ekonomi dan Bisnis Islam UIN Raden Mas Said Surakarta ]]>
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DOI: 10.22515/juebir.v3i1.8153
<![CDATA[Penelitian ini bertujuan untuk mengetahui pengaruh antara persepsi risiko keamanan, persepsi risiko keuangan, dan pengetahuan terhadap minat penggunaan layanan perbankan syariah tanpa kantor fisik (online-only bank). Responden pada penelitian ini berjumlah 100 orag mahasiswa Universitas Islam Negeri (UIN) Raden Mas Said Surakarta. Metode pengambilan data dengan menggunakan kuesioner dengan pengolahan data menggunakan SPSS versi 23.0. Hasil penelitian menunjukkan bahwa persepsi risiko keamanan dan persepsi risiko keuangan tidak berpengaruh terhadap minat dalam menggunakan layanan perbankan digital, sedangkan pengetahuan berpengaruh positif dan signifikan terhadap minat dalam menggunakan layanan perbankan digital.]]>
<![CDATA[Analysis of The Effect Financial Ratios as Basis For Measuring Financial Performance in Bank Syariah Indonesia ]]>
<![CDATA[Nadiyah Yusriyyah]]>;
<![CDATA[Rahmawati Khoiriyah]]>
<![CDATA[ Muhasabatuna : Jurnal Akuntansi Syariah Vol. 6 No. 1 (2024): Juny ]]>
Publisher : <![CDATA[Lembaga Penelitian dan Pengabdian Masyarakat Universitas Islam Syarifuddin Lumajang ]]>
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DOI: 10.54471/muhasabatuna.v6i1.2667
<![CDATA[Bank Syariah Indonesia was formed through the consolidation of PT Bank BRIsyariah Tbk, PT Bank Syariah Mandiri, and PT Bank BNI Syariah. Bank Syariah Indonesia aims to establish a sharia-compliant bank that will be a source of national pride, stimulate economic growth, and enhance the well-being of the broader community. The funds originate from the revenue generated by the profit sharing mechanism. The presence of several rivals and the prevailing economic uncertainties in Indonesia contribute to the instability observed in the banking sector. Hence, it is imperative to evaluate the financial performance of Bank Rakyat Indonesia Syariah by employing ratio analysis to analyze its financial performance. This study use computations generated from financial statement data. The tests employed include classical assumption tests, multiple linear analysis research models, and simultaneous tests for coefficients of determination. The findings indicated a partial impact on the Current Ratio.]]>
<![CDATA[THE INFLUENCE OF CONSUMPTION LEVELS, INFLATION, CAR, AND BOPO AGAINST PROBLEM FINANCING IN SHARIA COMMERCIAL BANK ]]>
<![CDATA[Amima, Alda Fildza]]>;
<![CDATA[Khoiriyah, Rahmawati]]>;
<![CDATA[Shamsuddin, Muhammad Aiman Hakim Bin]]>
<![CDATA[ Ekonomi Islam Vol. 15 No. 1 (2024): Jurnal Ekonomi Islam Fakultas Agama Islam UHAMKA ]]>
Publisher : <![CDATA[Universitas Muhammadiyah Prof DR HAMKA ]]>
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DOI: 10.22236/jei.v15i1.13472
<![CDATA[The aim of this research is to identify variables that influence Non-Performing Financing (NPF) of sharia banking in Indonesia. Consumption level (GDP), price increase (inflation), capital adequacy (CAR), operating expenses and operating income (BOPO) are the variables used in this research as independent variables. This data was taken from the Sharia Financial Development Report and analyzed using the multiple regression method. The general population in this research is Sharia Commercial Banks registered with the Financial Services Authority (OJK) in 2018-2022, with a total research observation sample of 5 types of Sharia banks, because other categories of Sharia commercial banks do not meet the criteria for this research. The research results show that all variables do not have a significant influence on Non-Performing Financing (NPF) except that the Capital Adequacy Ratio (CAR) has a small influence on Non-Performing Financing (NPF). Previous research explains that capital adequacy (CAR) has a positive and significant effect on non-performing financing (NPF). Meanwhile, this research explains that capital adequacy (CAR) has a negative effect on non-performing financing (NPF).]]>
