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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.
BSI Bank Gold Installment Program as One Solution for Hajj Payment Aisyah, Esy Nur; Akbar, Yodi Arizky
Proceeding Kilisuci International Conference on Economic & Business Vol. 3 (2025): 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/kilisuci.v3i.6821

Abstract

Research aim: This article discusses in depth how the Gold Installment Program works, what is good and what is bad, and why education and risk management are essential to its successful implementation. See how this program can help people perform the hajj pilgrimage more easily and safely. Design/Methode/Approach: The qualitative research method is interviews with BSI bank employees KCP Pasuruan Sudirman 1 Research Finding: The Gold Installment Program offered by Bank Syariah Indonesia (BSI) is an effective solution to help prospective hajj pilgrims in Indonesia overcome the high cost of the Hajj. This program allows people to buy gold bullion in instalments, making it easier to manage their finances and providing protection against inflation. Despite challenges such as gold price fluctuations and the need for secure storage infrastructure, this program offers the advantage of being a stable investment. Theoretical contribution/Originality: Using the murabahah contract, BSI ensures that prospective hajj pilgrims can choose the instalment period according to their financial capabilities and manage the funds collected to ensure the availability of funds when departing for Hajj. Practitionel/Policy implication: Providing adequate infrastructure for gold storage, supervision, and quality human resources. Safe and secure storage facilities and human resources proficient in financial management, risk management, and logistics management are needed, considering the gold that will be stored and supervised. It shows that the gold remains safe and the gold instalment program will run well. Research limitation: This research is only based on perceptions based on interviews, for further research you can use a quantitative approach
ENTREPRENEURIAL ORIENTATION TOWARDS BUSINESS PERFORMANCE THROUGH BUSINESS STRATEGY WITH ENVIRONMENTAL DYNAMICS AND GOVERNMENT POLICY AS MODERATING VARIABLES Prajawati, Maretha Ika; Aisyah, Esy Nur; Yuliati, Yuliati; Al Idrus, Salim
Jurnal Ekonomi Bisnis dan Kewirausahaan Vol 14, No 2 (2025): Jurnal Ekonomi Bisnis dan Kewirausahaan (JEBIK)
Publisher : Fakultas Ekonomi dan Bisnis, UNTAN

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26418/jebik.v14i2.89859

Abstract

This study aims to examine the influence of entrepreneurial orientation on business strategy and organizational performance among halal small and medium enterprises (SMEs) in Malang City. It further investigates the mediating role of business strategy and the moderating effects of environmental dynamics and government policies. Using a quantitative research design, data were collected from halal SMEs in the food and beverage sector through a non-probability (accidental) sampling technique. Structural Equation Modeling (SEM) with Partial Least Squares (PLS) was employed to test the proposed hypotheses. The findings reveal that entrepreneurial orientation significantly affects both business strategy and firm performance. Business strategy mediates the relationship between entrepreneurial orientation and performance, while environmental dynamics do not significantly moderate the effect of strategy on performance. However, government policies strengthen the influence of entrepreneurial orientation on the performance of halal enterprises. The results highlight that a strong entrepreneurial mindset, supported by conducive government policies, can enhance the productivity and competitiveness of halal SMEs operating in creative economy sectors. JEL: H2, M2, M5.
The Effect of FTV Policy and Economic Factors on Home Ownership Financing in Indonesian Sharia Banking Afalia, Waridatul; Aisyah, Esy Nur
MALIA: Journal of Islamic Banking and Finance Vol 7, No 1 (2023): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v7i1.20274

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Kebijakan FTV, Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi terhadap pembiayaan pemilikan rumah di bank umum syariah Indonesia periode 2014-2021. Metode penelitian yang digunakan adalah Vector Error Correction Model (VECM). Hasil penelitian ini menunjukkan bahwa variabel Kebijakan FTV, Financing Deposit Ratio (FDR), Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi pada pembiayaan kepemilikan rumah di bank umum syariah Indonesia tidak berpengaruh dalam jangka pendek. Sementara itu, dalam jangka panjang, variabel Kebijakan FTV, Non-Performing Financing (NPF), Produk Domestik Bruto (PDB) dan Inflasi secara signifikan mempengaruhi pembiayaan kepemilikan rumah di bank umum syariah Indonesia. Dan variabel Financing Deposit Ratio (FDR) berpengaruh negatif tidak signifikan terhadap pembiayaan pemilikan rumah di bank umum syariah Indonesia.
Islamic Corporate Social Responsibility dan Kinerja Lingkungan Sebagai Determinan Profitabilitas Perbankan Syariah di Indonesia Esy Nur Aisyah; Riswanti Riswanti
JRAK: Journal of Accounting Research and Computerized Accounting Vol 11 No 2 (2020): JRAK: Jurnal RIset Akuntansi dan Komputerisasi Akuntansi
Publisher : Jurusan Akuntansi Fakultas Ekonomi Universitas Islam 45

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33558/jrak.v11i2.2061

Abstract

In carrying out corporate social responsibility, islamic banking must carry out Corporate Social Responsibility in accordance with Islamic law or called Islamic Corporate social Responsibility and pay attention to environmental management, so as to make a good contribution ffrom the community towards the company. This study aims to determine the effect of Islamic Corporate Social Responsibilty and envoromental performance on profitability. The sample used in this study were 11 islamic commercial bank with the study period of 2011-2015. The analytical tool used is multiple regression analysis. The test result show that Islamic Corporate social Responsibility has a significant positive effect on profitability and environmental performance has a significant negative effect on profitability. And based on the result of the determinant test (R square), the ICSR and environmental performance variables are able to explain its effect on profitability by 26%, while the rest is explained by other variables. Keywords: Environmental Performance, Islamic Corporate Social Responsibility, Islamic Banking, Profitability.