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All Journal Aptisi Transactions on Management Maliki Islamic Economics Journal
Pujiharto, Yaya Ruhenda Casmita
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Religion Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Analysis of E-Banking Development In Islamic and Conventional Commercial Banks: Evidence From Indonesia Pujiharto, Yaya Ruhenda Casmita; Yusnita, Titien
Maliki Islamic Economics Journal Vol 4, No 1 (2024): Maliki Islamic Economics Journal
Publisher : Faculty of Economics UIN Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/miec.v4i1.29064

Abstract

This study analyzes the impact of IT-based banking services on Islamic and Conventional Commercial Banks in Indonesia. It evaluates their influence on the number of bank branches, Automated Teller Machines (ATM), Operating Costs (BOPO), and Net Income (NI). The research uses secondary data from The Financial Services Authority (OJK), Bank Indonesia, and the Indonesian Payment System Association (ASPI) for the 2018-2023 period. The data analysis employs the ECM (Error Correction Model) method. Results show that e-banking services significantly affect the dependent variables. For the branch model, mobile and internet banking impact branch numbers in the long term, but not in the short term. Mobile and internet banking have a long-term effect on ATMs, while the Quick Response Code Indonesian Standard (QRIS) and e-banking services influence ATMs in the short term. In terms of BOPO, mobile banking and QRIS affect it in the long term, while internet banking and QRIS influence it in the short term. Lastly, mobile banking and QRIS have a long-term effect on Net Interest Margin (NIM), but no significant effect in the short term. Overall, the findings demonstrate that mobile banking, internet banking, and QRIS are important factors influencing various banking metrics over different timeframes.
Financial Management of Indonesian Hajj Against the Yield by Using a Dynamics System Model Mariyanti, Tatik; Jayaprawira, Acep R; Terah, Yochebed Anggraini; Pujiharto, Yaya Ruhenda Casmita
APTISI Transactions on Management (ATM) Vol 7 No 1 (2023): ATM (APTISI Transactions on Management: January )
Publisher : Pandawan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33050/atm.v7i1.1818

Abstract

This research aims to analyze the financial management of Indonesian hajj on yield using a dynamic system model and determine and simulate the return obtained with the expenditure so that the hajj funds remain safe. In addition, the purpose of this research is to provide input on policy strategies to the BPKH in increasing hajj financial yields. The method used in this research is dynamic systems modeling. The resulting model structure formulation is illustrated by a causal loop diagram and a stock-flow diagram. The results obtained were then simulated, and model validation was carried out using AME and AVE. Operational data used in this study uses time-series data. This study's population or several samples are annual historical data during the research period.  In modeling the dynamic system of hajj financial management on yield, it is divided into 2 (two) sub-models, namely the economic sub-model and the social sub-model. Meanwhile, to find out and simulate the yield obtained with the yield expenditure, 3 (three) scenarios were made, namely the existing, moderate, and optimistic scenarios. From the simulation results, it can be seen that making changes to portfolio policies with an optimistic scheme in the form of placements in Islamic Banks with a maximum of 20% and 80% investment and increasing the initial deposits of pilgrims from IDR 25 million to IDR 30 million in 2022 is a government policy intervention that produces optimal yield.
Co-Authors Acep R Jayaprawira Tatik Mariyanti, Tatik Terah, Yochebed Anggraini Titien Yusnita, Titien