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Is Sharia peer-to-peer lending in Indonesia accountable and transparent? Indrarini, Rachma; Samsuri, Andriani; Syam, Nur; Room Fitrianto, Achmad; Zulfa, Indana
al-Uqud : Journal of Islamic Economics Vol. 9 No. 1 (2025): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/al-uqud.v9n1.p96-109

Abstract

Financial technology is developing in Indonesia, especially in peer-to-peer landing. Based on data from the Indonesia Authority of Financial Service (OJK), there are 102 peer-to-peer lending institutions in Indonesia with 8 of them using the Sharia system. Every Sharia-based transaction must ensure its accountability not only to the public but also to God. Accountability can be seen in the financial statements and annual reports were transparent and accountable. This study aims to see the transparency and accountability of peer-to-peer lending in Indonesia. This study used a qualitative phenomenological approach to observe the problem. The results showed that not all peer-to-peer lending sharia in Indonesia is transparent and accountable. Only three out of eight peer-to-peer landings are transparent and accountable.
A Slanted View on the Future of Islamic Fintech and Conventional Fintech in South and Southeast Asian Countries Mansur, Mansur; Samsuri, Andriani; Nurhayati, Nurhayati; Khoyyilah, K
El-Barka Journal of Islamic Economics and Business Vol. 5 No. 2 (2022)
Publisher : El-Barka

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/elbarka.v5i2.5147

Abstract

Introduction/Main Objectives: This study reviews the presence of Fintech in South and Southeast Asian countries through several categories. Background Problems: Many people doubt the presence of Fintech in South Asia and Southeast Asia as part of a developing country with all its limitations, especially Sharia Fintech. Novelty: Developing Sharia Fintech in South Asian and Southeast Asian countries, which have not spread evenly before. Research Methods: Qualitatively using GFD (Global Findex Database) data collected in 2021, which was then elaborated with 115 research studies (50 from Scopus, 24 from Research Gate, 21 from Google Scholars and 20 from other sources). Finding/Results: The presence of Fintech is more likely to develop rapidly in the Southeast Asia region, not so in the South Asian region. The lneeds of each region are different. It is different if developed by Sharia Fintech (I-Fintech/Islamic Financial Technology). Its potential is almost acceptable in all regions, including in countries that are sensitive to religious issues. Conclusion: It is not only Fintech that is the future of cutting-edge banking, but also the presence of I-Fintech (Islamic Financial Technology) which empirically opens up great opportunities and repositions mainstream financial institutions into traditional banking, including Islamic banking. However, the presence of Fintech and I-Fintech still requires the support of local government policies and the wider community, Muslims and non-Muslims in any part of the world.
The Role of Islamic Fintech in Sustainable Finance: Inclusion and Digitalization Kamila, Niswa; Samsuri, Andriani
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 5 No. 1 (2025): Juli
Publisher : Penerbit Goodwood

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35912/bukhori.v5i1.4637

Abstract

Purpose: This study aims to analyze the effect of arm muscle training on improving chest pass skills in basketball, a fundamental technique essential for effective ball distribution between players. Methodology/Approach: A literature review method was employed by examining 18 scientific sources, including national and international journals and academic books published between 2004 and 2024. Thematic content analysis was used to identify the relationship between arm muscle training and chest pass proficiency. Results/Findings: The findings indicate that arm muscle training such as push-ups, weightlifting, and medicine ball chest pass drills significantly improve the power, accuracy, and distance of passes. These exercises also contribute positively to other basic basketball skills such as dribbling, shooting, and additional passing techniques. Statistical data from multiple studies confirm the effectiveness of such training on technical performance. Conclusions: Arm muscle training plays a vital role in enhancing chest pass effectiveness, particularly through the development of biceps and triceps strength. Therefore, this form of training should be integrated as a core component in structured basketball skill development programs. Limitations: This study is limited to a literature-based analysis without direct experimental validation, suggesting that further empirical research is needed to confirm the findings in real training environments. Contribution: The study offers a systematic and comprehensive synthesis of existing literature, which has not been extensively reviewed in this context, and provides practical guidance for coaches in designing targeted and evidence-based arm muscle training programs.
Model Ketahanan Keuangan Syariah Indrarini, Rachma; Samsuri, Andriani
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 9 No. 1 (2022)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v9i1.5706

Abstract

The COVID-19 pandemic has had an adverse impact on the economy. Many people have lost their jobs but the necessities of life have increased. Society needs a model to make sharia financial resilience. This study aims to formulate a model of Islamic financial resilience, especially for Muslims by looking at three indicators are Islamic financial literacy, Islamic financial planning and Islamic financial inclusion. This research uses quantitative research with multiple linear regression. The result of this research is that Islamic financial literacy has no affect on sharia financial resilience. Islamic financial planning has not affect on sharia financial resilience. Islamic financial inclusion has affects on sharia financial resilience and together Islamic financial literacy, Islamic financial planning and Islamic financial inclusion has affect on sharia financial resilience
Analisis Faktor-Faktor yang Mempengaruhi Retrun On Asset (ROA) dengan Ukuran Perusahaan sebagai Variabel Moderating Hidayah, Fitri Naila; Samsuri, Andriani
EKOBIS SYARIAH Vol. 9 No. 1 (2025): Islamic-Based Economic and Business Development in the Context of Community Emp
Publisher : Universitas Islam Negeri Ar-Raniry Banda Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/ekobis.v9i1.29225

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh pembiayaan ijarah, mudharabah, dan rahn terhadap ROA dan menjadikan ukuran perusahaan sebagai variabel moderating secara parsial dan secara simultan. Metode penelitian yang digunakan pada penelitian ini yakni metode kuantitatif dengan menggunakan data sekunder berupa laporan keuangan bulanan KSPPS BMT XXXX periode 2019-2023 dan sampel yang digunakan berjumlah 60 sampel. Adapun teknik analisis data yang digunakan yakni Moderated Regression Analysis (MRA). Hasil penelitian menunjukkan bahwa secara parsial pembiayaan ijarah berpengaruh positif terhadap ROA, sementara pembiayaan mudharabah, dan rahn tidak berpengaruh positif terhadap ROA. Secara simultan, pembiayaan ijarah, mudharabah, dan rahn berpengaruh terhadap ROA. Kemudian terkait peran moderasi ukuran perusahaan menunjukkan bahwa, secara parsial ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah terhadap ROA, namun ukuran perusahaan tidak mampu memperkuat pengaruh pembiayaan mudharabah, dan rahn terhadap ROA. Secara simultan ukuran perusahaan mampu memperkuat pengaruh pembiayaan ijarah, mudharabah dan rahn terhadap ROA.
Faktor-Faktor yang Mempengaruhi Customer Loyalty dengan Customer Satisfaction sebagai Variabel Mediasi Alfiyah, Fitri Nurul; Samsuri, Andriani
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 7 No. 2 (2024): July
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v7i2.1007

Abstract

Penelitian ini bertujuan untuk menjawab pertanyaan yang berkaitan dengan product quality, price, after sales service dan customer satisfaction terhadap customer loyalty pada pengguna smartphone Oppo. Penelitian ini menggunakan metode kuantitatif dengan teknik pengambilan sampel purposive sampling dengan pertimbangan tertentu yakni responden yang pernah melakukan pembelian pada produk smartphone Oppo minimal 2 kali. Data dikumpulkan dengan menyebarkan kuesioner pada 198 responden secara online. Daa yang telah terkumpul di analisis dengan SEM-PLS. Hasil penelitian yang diperoleh menunjukkan bahwa product quality dan after sales service berpengaruh positif dan signifikan terhadap customer satisfaction. Serupa pada konstruk customer satisfaction terhadap customer loyalty yang berpengaruh positif dan signifikan. Sedangkan pada konstruk product quality, price dan after sales service berpengaruh negatif dan tidak signifikan terhadap customer loyalty. Pada konstruk price berpengaruh negatif dan tidak signifikan terhadap customer satisfaction. Pada konstruk product quality dan after sales service berpengaruh positif dan signifikan terhadap customer loyalty yang di mediasi oleh customer satisfaction, sedangkan pada konstruk price berpengaruh negatif dan tidak signifikan terhadap customer loyalty yang di mediasi oleh customer satisfaction. Dengan adanya hasil penelitian tersebut, peneliti selanjutnya diharapkan mengembangkan faktor atau konstruk lain yang dapat mempengaruhi customer loyalty dan customer satisfaction serta menambahkan jumlah responden supaya memperoleh hasil yang lebih baik dari penelitian ini.
The Competitive Advantages of NURI East Java Savings and Loans Cooperatives and Sharia Financing in the Perspective of the Diamond Strategy Nisa', Rifqun; Samsuri, Andriani
International Conference on Islamic Economic (ICIE) Vol. 1 No. 2 (2022): October
Publisher : Sekolah Tinggi Agama Islam Darul Ulum Banyuanyar Pamekasan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58223/icie.v1i2.199

Abstract

This study aims to determine the application of competitive advantage to the NURI Sharia and Loans and Financing Cooperative (KSPPS NURI JATIM) in the diamond strategy prespective. The research methodology used is qualitative with a descriptive approach. Data collection was carried out by observation, documentation and interview methods. The data sources in this study were the Director of KSPPS NURI JATIM, administrators of KSPPS NURI JATIM, and members of KSPPS NURI JATIM. The research result obtained are KSPPS NURI JATIM’s competitive advantage in terms of marketing management, financial management, information management, and human resource management that have made efforts and are in accordance with ideal conditions. The potential of KSPPS NURI JATIM in the diamond strategy, KSPPS NURI JATIM must continue to improve service quality and expand marketing areas.
Potret Empiris Kinerja Keuangan Perbankan Syariah Di Indonesia: Systematic Literature Review Fatmariyah, Fatimatul; Samsuri, Andriani; Yazid, Muhammad; AS, Fathor
Jurnal Ilmiah Ekonomi Islam Vol. 8 No. 3 (2022): JIEI : Vol.8, No.3, 2022
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v8i3.5930

Abstract

The purpose of this study was to identify the financial performance of Islamic banking whose data were obtained from journals in the period 2017-2021 and how the solution was with a systematic literature review method approach. The results of a systematic literature review show that, 1). The distribution rate of articles in 2017 was 11, in 2018 there were 6, in 2019 there were 7, in 2020 there were 5 and in 2021 there were 2 articles in 31 journals, 2). The research method used by the researchers is a descriptive quantitative approach with a descriptive statistical approach and none uses a qualitative approach or mix methods, 3). The types of performance measurement tools used are mostly financial ratios, 4). The portrait of Islamic banking financial performance is volatile and tends to improve, 5). The solution for Islamic banks is to improve the performance of their financial ratios, and 6). The limitations of the study lie in the number of samples, variables and indicators, period of observation, and analytical techniques.
Evaluasi Bank Syariah Indonesia Pasca Serangan Siber: Pergerakan Saham dan Kinerja Solikhawati, Anisa; Samsuri, Andriani
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10309

Abstract

This study aims to determine the movement of BRIS shares after the cyber attack on May 8 2023. BRIS, which is owned by PT. Bank Syariah Indonesia Tbk experienced a decrease in share price due to a system error. Digital transaction services had stopped, such as BSI Mobile, ATMs and tellers at branch offices unable to serve customers. This study uses a quantitative method with a descriptive approach. The results show that the stock price movement has decreased until June 26 2023 and BSI's performance seen from the KPMM, ROA and BOPO ratios received the criteria of being healthy and good. Meanwhile, the FDR ratio of Islamic banks is considered bad because it has poor liquidity.
Orientasi Kewirausahaan dan Keunggulan Kompetitif sebagai Faktor Pendorong Kinerja Usaha Mikro Kecil Menengah (UMKM) di Kota Surabaya: Entrepreneurship Orientation and Competitive Advantage as a Driving Factor for the Performance of Micro, Small and Medium Enterprises (MSMEs) in the City of Surabaya Ramadanti, Firda Gangsar; Tantriana, Deasy; Putranto, Hanafi Adi; Samsuri, Andriani; Saifuddin, Muchammad
EKOMABIS: Jurnal Ekonomi Manajemen Bisnis Vol. 5 No. 01 (2024): Ekomabis Edisi Januari 2024
Publisher : LPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/ekomabis.v5i01.865

Abstract

Orientasi kewirausahaan, kapabilitas dinamik, dan keunggulan kompetitif telah menjadi subjek penelitian yang menarik berkaitan dengan Usaha Mikro Kecil dan Menengah (UMKM) dalam menghadapi ketidakpastian lingkungan eksternal. Implementasi dari ketiga variabel tersebut diharapkan mampu mendorong kinerja UMKM ke tingkat yang lebih tinggi. Dengan menggunakan perhitungan cluster random sampling, diperoleh jumlah sampel dalam penelitian ini sebanyak 248 responden UMKM Binaan Kota Surabaya. Untuk menguji instrumen dan hipotesis, peneliti menggunakan analisis Structural Equation Modeling (SEM) yang berbasis varians yaitu Partial Least Square (PLS) versi 3.2.9. Hasil penelitian ini menunjukkan bahwa kapabilitas dinamik dan keunggulan kompetitif tidak memediasi hubungan antara orientasi kewirausahaan dan kinerja UMKM di Kota Surabaya. Entrepreneurial orientation, dynamic capabilities, and competitive advantage have become interesting research subjects relating to Micro, Small and Medium Enterprises (MSMEs) in facing external environmental uncertainty. The implementation of these three variables is expected to be able to push MSME performance to a higher level. By using cluster random sampling calculations, the number of samples in this study was 248 respondents from Surabaya City-assisted MSMEs. To test the instruments and hypotheses, researchers used variance-based Structural Equation Modeling (SEM) analysis, namely Partial Least Square (PLS) version 3.2.9. The results of this research indicate that dynamic capability and competitive advantage do not mediate the relationship between entrepreneurial orientation and MSME performance in the city of Surabaya.