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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.