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All Journal IJIBE (International Journal of Islamic Business Ethics) NISBAH: JURNAL PERBANKAN SYARIAH Jurnal Tabarru': Islamic Banking and Finance Jurnal Ilmiah Edunomika (JIE) Abdi Makarti Journal of Finance and Islamic Banking
Kusuma, Melia
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences Other

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FIN-TECH, FINANCIAL INCLUSION, AND SUSTAINABILITY: A QUANTITATIVE APPROACH OF MUSLIMS SMEs Nurohman, Yulfan Arif; Kusuma, Melia; Narulitasari, Devi
IJIBE (International Journal of Islamic Business Ethics) Vol 6, No 1 (2021): March 2021
Publisher : UNISSULA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30659/ijibe.6.1.54-67

Abstract

Sustainability of Small and Medium Enterprises (SMEs) is very important to be noted or observed. Because the majority of Indonesia’s population is Muslim and many of them are SMEs Actors. This study aim to provide empiric proves about the relation among financial technology (Fintech), financial inclusion, and sustainability muslims SMEs in Solo Raya area. This study uses quantitative approach. Analysis instrument used in this study is Partial Least Square (PLS). All data in the study are collected by handing out questionnaires to 96 SMEs owners who are Muslim chosen with accidental sampling technique. The result of this study shows that there is a positive relation between financial technology and financial inclusion. Financial technology also have positive relation toward the sustainability of SMEs. Besides that, financial inclusion also have positive relation with the sustainability of SMEs. With these results, it is expected that could give more viewpoint to the Government to give a convenient access and support the existence and sustainability of SMEs
PERENCANAAN DAN PENINGKATAN KEUANGAN MELALUI INVESTASI DIGITAL SYARIAH PADA MASYARAKAT DI KAWASAN CAGAR BUDAYA KERATON KARTASURA Kusuma, Melia; Nurohman, Yulfan Arif; Yahya, Alvin
ABDI MAKARTI Vol 3, No 2 (2024): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v3i2.723

Abstract

Family economic welfare is everyone's hope. Economic welfare can be successful if there are right decisions in managing finances that begin with financial planning and decisions. The role of housewives and women in economic welfare can be shown in financial management, so a good understanding is needed in managing finances. This community service program aims to improve understanding of financial planning and improvement through digital investment. The participants of the method used through Asset Based Community Development (ABCD) with housewives and women in the cultural heritage area of the Kartasura palace. The results of the training provided will encourage participants to have appropriate digital investment planning and decisions, so that in the future they can obtain welfare
PENGARUH MANAJEMEN RISIKO TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH PERIODE 2019-2023 Wandhini, Ayu; Kusuma, Melia
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 2 (2024): NISBAH: Jurnal Perbankan Syariah
Publisher : Sharia Banking Study Program, Faculty of Islamic Economics, Djuanda University, Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30997/jn.v10i2.16876

Abstract

Penelitian ini menganalisis pengaruh risiko likuiditas, risiko kredit, risiko operasional, dan risiko pasar terhadap kinerja keuangan Bank Umum Syariah di Indonesia pada periode 2019–2023. Studi ini didasarkan pada kesenjangan penelitian yang muncul dari variasi hasil penelitian sebelumnya akibat perbedaan objek, variabel, dan rentang waktu. Kajian ini melibatkan 12 Bank Umum Syariah sebagai populasi, dengan 6 bank sebagai sampel yang dipilih menggunakan metode purposive sampling, yaitu Bank Muamalat, NTB Syariah, Aceh Syariah, Mega Syariah, BJB Syariah, dan BCA Syariah. Data yang terkumpul dianalisis menggunakan perangkat lunak Eviews 10. Hasil penelitian mengungkapkan bahwa risiko operasional dan risiko pasar berpengaruh signifikan terhadap kinerja keuangan. Sebaliknya, risiko likuiditas dan risiko kredit tidak menunjukkan pengaruh yang signifikan. Secara teoretis, penelitian ini memperluas pemahaman tentang hubungan antara risiko dan kinerja keuangan pada lembaga keuangan syariah. Secara praktis, temuan ini diharapkan dapat memberikan panduan bagi industri keuangan syariah dalam mengelola risiko secara lebih efektif dan efisien.
PENGARUH PROMOSI, FITUR LAYANAN, DAN KEMUDAHAN TRANSAKSI TERHADAP KEPUTUSAN MENGGUNAKAN E-WALLET LINKAJA SYARIAH Nurdiana, Tatia; Kusuma, Melia
JURNAL ILMIAH EDUNOMIKA Vol. 9 No. 1 (2025): EDUNOMIKA
Publisher : ITB AAS Indonesia Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

The surge in online transactions has prompted the development of many innovative technologies in the financial industry, including the online payment application LinkAja Syariah. Several variables impact the choice to utilize the LinkAja Syariah e-wallet, including incentives, service features, and transaction convenience. This study seeks to ascertain the extent of effect that promotion, service features, and transaction convenience exert, both individually and together, on the choice to utilize the LinkAja Syariah e-wallet. This research employs a quantitative strategy utilizing a descriptive approach. A total of 100 respondents were surveyed. Employing the random sampling technique. Data analysis with multiple linear regression utilizing the IBM SPSS 26 software. This study found that promotional factors, service features, and transaction convenience had a favorable and substantial effect, both individually and together, on the choice to utilize the LinkAja Syariah e-wallet.
Islamic Corporate Governance and Islamic Banking Financial Performance Kusuma, Melia; Rosadi, Samsul
Journal of Finance and Islamic Banking Vol. 1 No. 2 (2018)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v1i2.1493

Abstract

This study aims to examine the effect of Islamic Corporate Governance on the financial performance of Islamic banks in 2012-2016. The Islamic Corporate Governance area is proxied by the board of commissioners size, Audit Committee Size, Sharia Supervisory Board Size, and frequency of Sharia Supervisory Board meetings. The object of research is Islamic banks in 2012-2016. Sampling technique is judgment sampling, members of the population that meet the criteria are used as samples. The entire sample was taken from 10 Islamic banks. Hypothesis testing techniques use multiple regression analysis. The results of the F test show that all independent variables simultaneously influence financial performance. Based on the results of the t test it can be concluded that the frequency of sharia supervisory board meetings and the size of the audit committee positively influences the financial performance of Islamic banks. While the size of the area and the age of the area does not affect the Financial Performance.
PENGUATAN LITERASI EKONOMI KOMUNITAS MELALUI KOPERASI LOKAL PADA MASYARAKAT KALITAN KOTA SURAKARTA Yahya, Alvin; Nurohman, Yulfan Arif; Kusuma, Melia; Astuti, Yuni
ABDI MAKARTI Vol 4, No 2 (2025): ABDI MAKARTI
Publisher : Sekolah Tinggi Ilmu Ekonomi AMA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52353/abdimakarti.v4i2.895

Abstract

Low levels of financial literacy are a problem in managing business finances and utilizing cooperatives to promote economic independence in urban communities. This community service program aims to improve economic literacy and financial behavior in the Kalitan community, Surakarta City, through a structured, participatory training model involving local cooperatives as strategic partners. The program is divided into three main stages: case study-based economic literacy training, business financial management simulations, and technical guidance on using cooperative services. This program significantly improved participants' understanding of financial planning, economic decision-making, and the role of cooperatives in supporting micro-enterprises. Furthermore, this activity also encouraged changes in financial behavior toward more rationality and strengthened trust in community financial institutions. This program serves as an effective model for inclusive economic learning, particularly in urban areas with existing limitations. The program's results demonstrate the important role of cooperatives as agents of community-based economic education and empowerment. The program's novelty combines an experiential learning approach with institutional strengthening of cooperatives within a grassroots economic empowerment framework, a concept rarely explored in Indonesian community service literature
ISLAMIC SOCIAL REPORTING SEBAGAI PEMODERASI PENGARUH PROFITABILITAS DAN KECUKUPAN MODAL TERHADAP NILAI PERUSAHAAN : ANALISIS BANK SYARIAH DI BEI Setyaningrum, Dina; Kusuma, Melia
Jurnal Tabarru': Islamic Banking and Finance Vol. 8 No. 1 (2025): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2025.vol8(1).21716

Abstract

Penelitian ini bertujuan untuk menganalisis peran Islamic Social Reporting (ISR) sebagai pemoderasi pengaruh profitabilitas dan kecukupan modal terhadap nilai perusahaan pada bank syariah yang terdaftar di Bursa Efek Indonesia (BEI) periode 2018-2023. Latar belakang penelitian ini adalah pentingnya integrasi antara kinerja keuangan dan tanggung jawab sosial dalam perbankan syariah. Populasi pada studi ini yakni seluruh bank syariah yang terdaftar di Bursa Efek Indonesia periode 2018-2023. Sampel studi ini melibatkan empat perusahaan yang diambil menggunakan teknik purposive sampling. Metode penelitian menggunakan analisis regresi linier berganda dengan pendekatan moderasi pada data sekunder dari laporan keuangan dan laporan keberlanjutan bank syariah menggunakan software Eviews 10. Hasil penelitian menunjukkan bahwa profitabilitas dan kecukupan modal berpengaruh signifikan terhadap nilai perusahaan. Namun,  ISR tidak berpengaruh langsung terhadap nilai perusahaan. Variabel moderasi ISR tidak mampu memoderasi hubungan profitabilitas dengan nilai perusahaan, tetapi mampu memoderasi hubungan kecukupan modal dengan nilai perusahaan probabilitas . Simpulan penelitian ini adalah bahwa ISR berperan sebagai pemoderasi yang memperkuat pengaruh kecukupan modal terhadap nilai perusahaan, meskipun tidak berpengaruh langsung. Saran bagi bank syariah adalah meningkatkan praktik ISR sebagai strategi untuk membangun legitimasi dan kepercayaan stakeholders, serta bagi regulator untuk mendorong standardisasi pelaporan.
Co-Authors Alvin Yahya, Alvin Narulitasari, Devi Nurdiana, Tatia Nurohman, Yulfan Arif Samsul Rosadi Setyaningrum, Dina Wandhini, Ayu Yuni Astuti