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All Journal Jurnal Perbankan Syariah Darussalam (JPSDa) Kartika: Jurnal Studi Keislaman IIJSE Majapahit Journal of Islamic Finance dan Management Majapahit Journal of Islamic Finance dan Management Danadyaksa: Post Modern Economy Journal
Alamsyah, Lutvi
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Journal : IIJSE

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PENGARUH EFISIENSI, KUALITAS AKTIVA, LIKUIDITAS, SENSITIVITAS, DAN SOLVABILITAS TERHADAP ROA PADA BANK SWASTA NASIONAL NON DEVISA Alamsyah, Lutvi
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 1 No 2 (2019): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v1i2.196

Abstract

Penelitian ini bertujuan untuk menganalisis apakah LDR, APB, NPL, BOPO, AUR, PPAP, PR, IPR dan IRR memiliki pengaruh signifikan terhadap ROA pada Bank Umum Swasta Nasional. Sampel penelitian ini yaitu: PT. Bank Harda Internasional, PT. Bank Jasa Jakarta, PT. Bank Kesejahteraan Ekonomi, PT. Bank Pundi Indonesia, PT. Bank Tabungan Pensiunan Nasional, PT. Bank Yudha Bhakti dan metode pengumpulan data dalam penelitian ini adalah purposive sampling dengan data sekunder periode 2008 sampai 2010. Teknik analisis data menggunakan analisis regresi. Hasil penelitian menunjukkan bahwa LDR, memiliki pengaruh yang signifikan terhadap ROA, BOPO berpengaruh negatif signifikan terhadap ROA. AUR, PR dan IPR berpengaruh tidak signifikan terhadap ROA. IRR, APB, NPL, dan PPAP memiliki pengaruh negatif tidak signifikan terhadap ROA pada Bank Umum Swasta Nasional Non-Bank Devisa.
QRIS Digital Payment Technology Implementation Strategy for Increase Facilities Transaction on MSMEs at Bank DKI, Syariah Branch, Sidoarjo Alamsyah, Lutvi; Iqbal, Muhammad
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Universitas KH. Abdul Chalim Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v8i3.8531

Abstract

The development of digital technology is driving changes in the payment system in Indonesia, one of which is the presence of QRIS as a digital payment standard initiated by Bank Indonesia. QRIS offers the convenience of non-cash transactions for MSMEs. This study aims to determine the strategy for implementing QRIS digital payment technology to improve transaction convenience for MSMEs at Bank DKI KC Syariah Sidoarjo and identify obstacles faced in its use. The research method used is a qualitative approach with data collection techniques through observation. interviews, and documentation with Bank DKI KC Syariah Sidoarjo and MSMEs. The results of the study show that the QRIS implementation strategy at Bank DKI KC Syariah Sidoarjo through socialization, canvassing , bundling programs , rewards , promotions, and routine assistance, has succeeded in increasing the ease of MSME transactions. As of March 2025, 675 QRIS merchants were recorded with a nominal transaction reaching Rp1,355,580,206, indicating significant enthusiasm and growth in QRIS use among MSMEs in Sidoarjo. However, obstacles such as low digital literacy, lack of understanding of the benefits of QRIS, and limited internet access still need to be overcome. To overcome these obstacles, Bank DKI provides solutions in the form of assistance and routine maintenance . Thus, Bank DKI will continue to strive to increase the use of QRIS to make it more practical and efficient for use among MSMEs.
Co-Authors Alfiqri, Mhd Aulia, Tita Budianto, Lestari Hidayatul Insani, Ilmiah Indra Lesmana, Ceta Muhammad Iqbal Mukhlisuddin, Akhmad Romadhani, Rizka Andika Safitri, Firdana Wanitasari Widya Kalpikawati, Ema