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All Journal Jurnal Ilmu Manajemen Dan Kewirausahaan (JIMK) Journal of Finance and Islamic Banking
Sutapa
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Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Should Sharia Banks Go Public: Analysis Using The RGEC Method Hanafi, Rustam; Sutapa; Ifada, Luluk Muhimatul
Journal of Finance and Islamic Banking Vol. 6 No. 2 (2023)
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/jfib.v6i2.7333

Abstract

Recently, the OJK has encouraged Shariah banks to go public to obtain new funding sources for business expansion, increasing corporate value and image. In fact, are Sharia Banks that go public better than non-go public. Therefore, this study aims to test whether the health of Sharia Banks that go public is better than non-go public. Observation data used 122 Sharia Banks during the 2014-2022 period. Using an independent sample t-test and RGEC health indicators, we find that Sharia Banks that go public have better health than non-go public but are not significantly different. These results also indicate why Sharia Banks go public are not as many as Conventional Banks. Sharia Banks adhere to the principle of prudence, including going public. If going public does not significantly change the health and performance of a Shariah Bank, the initiative to go public needs to be careful because ownership will transfer to shareholders. It will be a problem if shareholders do not understand Sharia principles.
Pengaruh Peer To Peer Lending Dan Literasi Keuangan Terhadap Kinerja Keuangan UMKM Di Kota Semarang Alfina Arfianti, Vera; Sutapa; Anik, Sri; Mutoharoh
JURNAL ILMU MANAJEMEN DAN KEWIRAUSAHAAN (JIMK) Vol 6 No 1 (2025): Juni ( In Progress )
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis, Universitas Muslim Nusantara Al-Washliyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32696/jimk.v6i1.4721

Abstract

The relationship between peer to peer lending and financial literacy has a primary function by influencing the financial performance of MSMEs in Semarang City. On the one hand, peer to peer lending provides financing options that are more easily accessible to MSMEs who often have difficulty in obtaining formal loans. However, without adequate financial literacy, MSME actors are at risk of mismanaging loans, such as choosing products with high interest rates or being unable to prepare a good payment plan. This can lead to financial problems such as bad debts or liquidity crises that hinder business growth. This study focuses on the analysis of the influence of peer to peer lending and financial literacy on the performance of MSMEs in Semarang City. The quantitative method with an explanatory research approach was chosen to describe the relationship between the variables studied precisely. The population in this study consisted of culinary MSMEs in Semarang City with a total of 3,291 with a sample of 100 MSMEs with the criteria of having been in business for more than 3 years with a minimum of 2 employees. The analysis shows that peer to peer lending and financial literacy have a significant impact on the financial performance of MSMEs in Semarang City and it is hoped that business actors can take part in financial training or education so that they can design capital management strategies, maximize the use of resources, and reduce financial risks more efficiently.
Co-Authors Alfina Arfianti, Vera Luluk Muhimatul Ifada Mutoharoh Rustam Hanafi Sri Anik, Sri