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All Journal JRAK: Jurnal Riset Akuntansi dan Komputerisasi Akuntansi IQTISHODUNA EGALITA El Dinar Journal of Business & Banking Indonesian Journal of Business and Entrepreneurship (IJBE) Jurnal Aplikasi Bisnis dan Manajemen (JABM) E-Journal Tazkia Islamic Finance and Business Review Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Journal of Economic, Bussines and Accounting (COSTING) EKONOMIS : Journal of Economics and Business SYIRKAH NISBAH: JURNAL PERBANKAN SYARIAH JURNAL NUSANTARA APLIKASI MANAJEMEN BISNIS Jurnal Tabarru': Islamic Banking and Finance Jurnal Informatika Ekonomi Bisnis Management Studies and Entrepreneurship Journal (MSEJ) MALIA: Journal of Islamic Banking and Finance Jurnal Ecogen Community Empowerment Kontribusi: Jurnal Penelitian dan Pengabdian Kepada Masyarakat J-ABDIPAMAS (Jurnal Pengabdian Kepada Masyarakat) Electronic Journal of Education, Social Economics and Technology Jurnal Informatika Ekonomi Bisnis Jurnal Edukasi Pengabdian Masyarakat: EDUABDIMAS Al-Muhasib: Journal of Islamic Accounting and Finance Engagement: Jurnal Pengabdian Kepada Masyarakat KIC SENMEA
Esy Nur Aisyah
Universitas Islam Negeri Maulana Malik Ibrahim Malang
Religion Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Mathematics Nursing Public Health Social Sciences Veterinary Other

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How Do Sustainable Growth Rate Affect Financial Performance of Islamic Banking? Evidence in Southeast Asia Region Aisyah, Esy Nur; Roziqin , Moh. Khoirur
Jurnal Aplikasi Bisnis dan Manajemen Vol. 11 No. 3 (2025): JABM Vol. 11 No. 3, September 2025
Publisher : School of Business, Bogor Agricultural University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/jabm.11.3.869

Abstract

Background: The complexity of banking transactions demands increased competitiveness, efficiency, and risk management. The banking industry needs help in minimizing risk and increasing revenue. ASEAN countries usually measure risk through macro risk measurement, while micro performance contributes to business continuity. Sustainable growth is an essential indicator of company and shareholder performance.Purpose: This study aims to examine the elements that determine the extent of sustainable expansion and their impact on the performance of Islamic banking in Southeast Asia. Design/methodology/approach: The research hypotheses are addressed through the utilization of explanatory research. A purposive sampling method was employed to select 13 Sharia commercial banks for the study, including four from Indonesia, seven from Malaysia, one from Thailand, and one from Brunei Darussalam. The collected data were analyzed using panel data regression. Findings/Result: The study's findings demonstrate that both profit margins and retention levels significantly influence the sustainable growth of Islamic banking in Southeast Asia. Higher profit margins enhance the ability of Islamic banks to generate internal funds, leading to higher rates of sustainable development. Furthermore, an increase in the retained earnings ratio contributes to the bank's capital, while asset turnover does not significantly impact sustainable growth.Conclusion: sustainable growth has a strong positive impact on financial performance, increasing revenue and lowering operating costs, improving financial performance in the region. After increasing revenue, Islamic banking can create Shariah-based products catering to the community's needs. These products must fulfill the principles of ESG (Environmental, Social, Governance) and SDGs (Sustainable Development Goals) to improve sustainability. It will enable future studies to incorporate ESG in assessing sustainable financial performance.Originality/value (State of the art): While SGR's impact on conventional banking has been studied extensively, research focusing on its effects on Islamic banking, particularly in the Southeast Asian context, remains limited. The study aligns with growing global interest in sustainable finance and its role in long-term financial stability, an area Islamic banking inherently emphasizes through ethical investments and risk-sharing. Keywords: retention rate, assets turnover, sustainable growth rate, financial performance, islamic banking
Effect of Capital Structure on ESG Performance in ASEAN Islamic Banking: Environmental, Social, and Governance Perspectives Zahro, Amellia; Aisyah, Esy Nur
Electronic Journal of Education, Social Economics and Technology Vol 6, No 1 (2025)
Publisher : SAINTIS Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33122/ejeset.v6i1.746

Abstract

ESG performance shows how the company carries out its commitment to environmental, social and good governance aspects. In the banking industry, including Islamic banks, the implementation of ESG can improve the image and trust of customers. This study analyzes the effect of capital structure-including Total Shareholder Equity to Total Asset (SER), Short Term Debt to Asset (STDA), Long Term Debt to Asset (LTDA), and Total Debt to Asset (TDA)-on ESG performance of Islamic banks in ASEAN during 2019-2023. The method used is quantitative with a descriptive approach. Secondary data were obtained from the financial statements of Islamic banks published regularly through the official websites of banks in ASEAN countries such as Indonesia, Malaysia, the Philippines, and Singapore. The research sample consisted of 33 Islamic banks, with 20 banks selected using purposive sampling technique. The analysis tool employed is panel regression analysis using EViews 13 software. The results showed that capital structure (SER, STDA, LTDA, and TDA) simultaneously has a positive and significant effect on the ESG performance of Islamic banks in ASEAN. This finding indicates that Islamic banks maximize the use of external funds for business expansion and increase profitability.
Evidence of Moderation Maqashid Sharia : Financial Performance, Islamic Social Reporting and The Value of the Company: Bukti Moderasi Maqashid Syariah: Kinerja Keuangan, Pelaporan Sosial Islam Dan Nilai Perusahaan Rismayanti, Dwi; Aisyah, Esy Nur
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 1 (2023): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i1.1659

Abstract

Firm value influences investor perceptions to support the company's sustainability. The study aimed to analyze the effect of financial performance and islamic social reporting on firm value and the role of the maqashid sharia index in moderating financial performance and islamic social reporting on the company value of Islamic Commercial Banks in Indonesia. The research method used is quantitative. The sampling technique used purposive sampling with a sample of 6 Islamic Commercial Banks registered with the Financial Services Authority for 2017-2021. The data analysis method used in this study is SEM-PLS with the SmartPLS version 4.0.8.7 application. The results showed that the variables of financial performance and islamic social reporting had a significant effect on firm value. Then, the maqashid sharia index as a moderator variable cannot moderate the relationship between financial performance and islamic social reporting on firm value. Thus, the Maqashid sharia index is a moderator predictor because it can only independently influence the dependent variable.
Analysis of The Influence of Financing, Inflation, and The Amount of Money Supply on The Profitability of Syariah Bank in Indonesia: Analisis Pengaruh Pembiayaan, Inflasi, dan Jumlah Uang Beredar Terhadap Profitabilitas Bank Syariah di Indonesia Aulia, Nadia Putri; Nur Aisyah, Esy
Perisai : Islamic Banking and Finance Journal Vol. 7 No. 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1668

Abstract

Profitability can show good company performance. Was conducted The research to determine the effect of financing, inflation, and the money supply on the profitability of Islamic banks in Indonesia. This study uses quantitative methods using secondary data. The sampling technique used in this study uses specific criteria, with the final sample result being 8 Islamic Banks registered with the Financial Services Authority in 2012-2021. The data analysis method in this study uses SPSS-25, with multiple linear regression testing tools, classical assumption testing, hypothesis testing, and determining coefficient tests. The study results show that financing variables partially do not affect the ROA profitability of Islamic banks in Indonesia. The inflation variable partly does not affect the ROA profitability of Islamic banks in Indonesia. The money supply variable also has no partial impact on the ROA profitability of Islamic banks in Indonesia. However, the financing variables, inflation, and the money supply can all affect the ROA profitability of Islamic banks in Indonesia. The effect is 31.0%, where the variables with financing, inflation, and the money supply simultaneously affect the ROA profitability of Islamic banks in Indonesia, and other variables influence the rest.
ANALISIS TINGKAT KESEHATAN BANK SYARIAH SERTA DAMPAKNYA TERHADAP NILAI PERUSAHAAN Safira, Wahyu Izza; Aisyah, Esy Nur
NISBAH: Jurnal Perbankan Syariah Vol. 10 No. 1 (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.v10i1.13628

Abstract

Salah satu aspek yang perlu dipertimbangkan oleh para pemangku kepentingan untuk menjaga kestabilan perusahaan adalah kesehatan bank. Tujuan dari penelitian ini adalah menggunakan metode RGEC untuk mengetahui keadaan Bank Umum Syariah (BUS) dan bagaimana pengaruhnya terhadap nilai perusahaan. Berdasarkan surat edaran yang diterbitkan pada tanggal 25 Oktober 2011, berdasarkan PBI Bank Indonesia No. 13/1/PBI/2011 dan SE No. 13/24/DPNP, setiap perusahaan wajib melakukan self assesment terhadap status kesehatannya dengan menggunakan teknik RGEC. Penelitian ini menggunakan metodologi deskriptif kuantitatif, mengumpulkan informasi keuangan dari perusahaan sampel penelitian. Hasil penelitian menunjukkan bahwa meskipun faktor Profil Risiko (FDR) dan Good Corporate Governance (GCG) Bank Umum Syariah pada tahun 2021–2023 masing-masing tergolong sangat sehat dan baik, variabel Earnings (ROA) dan Capital (CAR) berada pada kelompok kurang sehat dan tidak sehat. Penelitian ini juga menunjukkan bahwa dari keempat faktor tersebut, hanya komponen Good Corporate Governance yang tidak berpengaruh terhadap nilai perusahaan.
Profitability as a Mediation for Problem Loans, Third-Party Funds, BI Rate on Company Value Nur Latifah, Putri; Nur Aisyah, Esy
Jurnal Ecogen Vol 7, No 1 (2024): Jurnal Ecogen
Publisher : Universitas Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24036/jmpe.v7i1.15756

Abstract

This research from 2016 to 2022 intends to understand the relationship between the Islamic banking sector in Indonesia, company value, where profitability is the mediator between non-performing loans and third-party funds, and interest rates. This methodology uses purposive sampling to produce nine samples representing Islamic financial institutions. The criteria is an annual banking report, which can be obtained on the bank's official website or at the OJK. The quantitative descriptive methodology used in this research consists of the Sobel test and panel data regression analysis. Data analysis findings show that while profitability and the BI rate impact a company's value less, non-performing loans and third-party funding do. Profitability is unaffected by BI rates, non-performing loans, and third-party funding. Profitability does not mitigate the effect of third-party financing, non-performing loans, and the BI rate on a company's value.
The Influence of Dimensions Female Leadership Competencies To SMEs Performance Prajawati, Maretha Ika; Nur Aisyah, Esy; Setiani, Setiani
Indonesian Journal of Business and Entrepreneurship Vol. 10 No. 3 (2024): IJBE, Vol. 10 No. 3, September 2024
Publisher : School of Business, IPB University (SB-IPB)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.17358/ijbe.10.3.606

Abstract

Background: Improving female leadership will have a lasting impact on the development of future female leaders. With societal advancements, the knowledge and quality of female employee representatives have significantly improved, leading to increased effectiveness of female leaders. Female leadership is closely tied to company competitiveness and gaining a competitive advantage.Purpose: The aim of this study is to investigate the leadership of female SME owners by applying the hypothesis of competitiveness to analyze the leadership competencies that influence the competitiveness of SMEs.Design/methodology/approach: This research adopts a quantitative approach, focusing on SMEs in Batu City. Based on Slovin's formula, the sample size for this study was determined to be 100 respondents.Findings/Result: The research demonstrates that entrepreneurial competencies play a crucial role in business development and success, highlighting the importance of understanding the nature and role of competencies in SMEs. Strategic vision, operations management, professional knowledge, hands-on experience, and relationship building have a significant impact on performance.Conclusion: The rapid growth of SMEs clearly illustrates the importance of leadership in achieving success. However, while leadership is often seen as a personal attribute, and better leadership is believed to result from developing individual leader competencies, it is essential to explore the relationship between competence and leadership style.Originality/value (State of the art): This research emphasizes the importance of long-term growth over short-term profitability for SMEs. The capacity for long-term development is considered essential for SMEs, and this study investigates the impact of female leadership competencies on the growth and performance of SMEs. Keywords: strategic visions, operations management, professional knowledge, hand on experience, relationship building
The Implementation of Telemarketing Strategy on Refinancing Products in Bank Panin Dubai Syariah Malang Aisyah, Esy Nur
Al-Muhasib: Journal of Islamic Accounting and Finance Vol. 3 No. 2 (2023)
Publisher : Department of Islamic Accounting, The Faculty of Islamic Economics and Business, State Islamic Institute of Kediri [IAIN Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30762/almuhasib.v3i2.1065

Abstract

This study aims to find out how Bank Panin Dubai Syariah Malang Branch formulates telemarketing strategies to determine which customers have the potential to refinance by looking at existing customer data. Islamic banking must have an effective, efficient, and measurable marketing strategy to dominate market segments and have appeal to consumers, and compete with other banks including conventional banks. The methodology used in this study was qualitative and used observation and interview methods to obtain data. The results showed that Telemarketing is a method of marketing over the phone to increase customers. Telemarketing in providing financing products to customers at Bank Panin Dubai Syariah is carried out with the provisions set by the Head Office of Bank Panin Dubai. With this type of Outbound Telemarketing, a long-term relationship with the consumer or customer increases value for both parties. Refinancing through Telemarketing may be binding under an oral agreement.
Anteseden Perilaku Ketidakpatuhan Pajak pada Usaha Mikro, Kecil dan Menengah Aisyah, Esy Nur; Prajawati, Maretha Ika
Jurnal Nusantara Aplikasi Manajemen Bisnis Vol 9 No 1 (2024): Jurnal Nusantara Aplikasi Manajemen Bisnis
Publisher : UNIVERSITAS NUSANTARA PGRI KEDIRI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/nusamba.v9i1.21254

Abstract

Research aim: This study scrutinizes tax non-compliance by integrating new variables from social and economic approaches such as geopolitics, tax service quality, public governance quality, tax system rate, and penalties. Design/Methode/Approach: This research uses an explanatory research approach on 175 MSMEs in the food and beverage sector in Batu City. Moreover, using a census sampling technique. Research Finding: The study's findings indicate that geopolitics, tax service quality, public governance quality, tax system rate, and penalties significantly influence tax non-compliance among MSMEs. Theoretical contribution/Originality: As a contribution to tax knowledge, this research includes new variables in the tax non-compliance model which include social variables and psychological theory. Practitioner/Policy implication: This research can be utilized to enhance the performance of government institutions and departments. The government, as well as tax authorities, can benefit from this research in developing solutions needed to eliminate or minimize the problem of tax non-compliance. Research limitation: This research only focuses on MSMEs in the food and beverage sector in Batu City.
Investment Opportunities Through BSI Cicil Emas Financing Product Aisyah, Esy Nur; Hermawan, Bagus
Proceeding Kilisuci International Conference on Economic & Business Vol. 2 (2024): Proceeding Kilisuci International Conference on Economic and Business
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/pmnqf688

Abstract

Research aim : This research aims to determine what creates opportunities for long-term investment through the BSI Cicil Emas Financing product at Bank Syariah Indonesia, Turen Malang Sub-Branch Office. Design/Methode/Approach : This qualitative research method uses a descriptive approach with data collection techniques using interviews, documentation and observation. Research Finding : The research results show that the BSI Cicil Emas financing product has the opportunity to become a long-term investment instrument because of the ease of applying for financing, the benefits of investing in gold, and the ease of buying and selling gold, precious metals, the continued increase in gold prices and low competition.
Co-Authors Agus Hermawan Akbar, Yodi Arizky An Nisa Uswatun Ana Khabibatul Umami Aulia, Nadia Putri Budi Eko Soetjipto Budi Utami Dewi Nurjannah Didik Wahyudi Ega Saiful Subhan Erna Retno Rahadjeng Fachruddin, Mukhammad Hafidh Fadali Rahman Fadhil Bima Anandia Fahmi Alif Firmansyah Fauji, Diah Ayu Septi Firmansyah, Fahmi Alif Fitriyah, Fitriyah Hany Nur Mutiara Hariyono Hermawan, Bagus Imam Mukhlis Ismayantika Dyah Puspasari M. Fatkhur Rozi Mahmud Mahmud Maretha Ika Prajawati Mayasari, Nur Aulia Keysha Nihayatu Aslamatis Solekah Nur Latifah, Putri Putri Kurnia Widiati Putri Kurnia Widiati Rismayanti, Dwi Riswanti, Riswanti Rosida, Siti Nur Roziqin , Moh. Khoirur Safira, Wahyu Izza Saptaria, Lina Setiani Setiani, Setiani Sherina Zahrotun Nidiyah Siswanto Siswanto Siswanto Siti Lailatun Nikmah Sudarmiatin Uni Sasti Hadiah Uswatul Maulida, Lutfia Waridatul Afalia Yayuk Sri Rahayu Yona Octiani Lestari Yuliati - Zaharani, Chanina Mumtaza Zahro, Amellia