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The Mediate Effect Of Sharia Compliance on The Performance of Islamic Banking in Indonesia Usdeldi Usdeldi; M. Ridlwan Nasir; Muhamad Ahsan
Jurnal Keuangan dan Perbankan Vol 26, No 1 (2022): January 2022
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v26i1.6158

Abstract

This study aimed to prove whether Sharia Compliance (SC) mediates the influence of Good Corporate Governance (GCG), Sharia Supervisory Board (SSB), and Corporate Social Responsibility (CSR) on financial performance and maqashid sharia performance in Islamic Commercial Banks (ICBs) in Indonesia. A regression analytical method was employed based on Structural Equation Modeling with panel data in the annual report published by ICBs in Indonesia for the period 2014-2019. The results proved that SC mediated GCG and CSR on maqashid sharia performance positively while negatively mediated them on financial performance. At the same time, it did not mediate SSB on both financial performance and maqashid sharia performance. Based on these findings, policymakers should launch regulations on the disclosure of the dimensions GCG, SSB, CSR, and SC in the annual reports of ICBs. In practical implementation, ICBs should improve GCG, CSR, and SC as the performance of Islamic banking-supporting dimensions, and, evaluate SSB as the non-supporting one
Implementasi Strategi Pengembangan Bisnis Dengan Business Model Canvas Bangkit Rambu Sukarno; Muhamad Ahsan
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 4 No. 2 (2021): Juli
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v4i2.456

Abstract

This study aims to determine the mapping of existing business strategies and develop new business strategies into a business model canvas. The method used is descriptive qualitative. Data were collected through observation, documentation, and interview. The collected data were analyzed using SWOT analysis and the results were elaborated into nine elements of the Business Model Canvas. The results showed that the business strategy obtained from the Business Model Canvas mapping is good enough because each element supports each other to increase revenue. The practical implication is that several strategies must be improvised to increase revenue, including by developing key resources, increasing the cost structure for advertising, and persuading customers to become resellers as key partnerships, customer relationships, and channels.
WHAT DO THEY LIKE AND DISLIKE FROM GAME-BASED ENTREPRENEURSHIP LEARNING? A QUALITATIVE STUDY Muhamad Ahsan; Aun Falestien Faletehan
Jurnal Cakrawala Pendidikan Vol 40, No 2 (2021): Cakrawala Pendidikan (June 2021)
Publisher : LPMPP Universitas Negeri Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21831/cp.v40i2.38858

Abstract

One of the ways to raise an entrepreneurial spirit through learning processes is the use of game simulation. Learning materials delivered using game simulation are expected to improve knowledge, understandings, and insights related to entrepreneurship. This study aimed to examine individual’s understanding of game-based entrepreneurship learning based on the expressions of like and dislike. Data of this study were collected by means of an open-ended questionnaire through a survey conducted for nine years (2011-2019). As many as 441 students participated in the entrepreneurship game called “Start and Improve Your Business (SIYB)” at a university in Indonesia. The collected data were analyzed qualitatively using NVivo 12plus. The results showed that participants liked the game because it could increase their entrepreneurial passions, skills, insights, and mindsets. However, what participants did not like about the game was related to its’ characteristics, the personal issues that it came out with, and the teamwork in the game. This study contributes to the development of a game-based entrepreneurship learning model by identifying participants' interests and discussing the strengths and weaknesses of the game implementation.  
Demam Korea: Minat Beli Terhadap Produk Kecantikan Korea (K-Beauty) Jenia Hanindita Rahmawati; Muhamad Ahsan
Jurnal Ilmu Manajemen Vol 9 No 4 (2021)
Publisher : UNESA In Collaboration With APSMBI (Aliansi Program Studi dan Bisnis Indonesia)

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (935.054 KB) | DOI: 10.26740/jim.v9n4.p1516-1528

Abstract

This research aims to examine the effect of brand image, celebrity endorser, country of origin and electronic word of mouth on buying interest in Korean beauty products (K-Beauty). The method used is quantitative associative. The sampling technique used is accidental sampling as many as 108 respondents. Data was collected by distributing online questionnaires via a google form. The collected data was analyzed using Structural Equation Modeling (SEM) which consists of two stages, namely the measurement model and the structural model with IBM SPSS AMOS software version 20 and index number analysis as descriptive analysis. The results showed that brand image has a positive and significant effect on buying interest in Korean beauty products (K-Beauty). While celebrity endorsers, country of origin and electronic word of mouth have no effect on buying interest in Korean beauty products (K-Beauty).
Mitigasi Risiko Pada Merger Bank Syariah Bumn Dengan Menilai Tingkat Kesehatan Bank Fahad Abdillah; Muhamad Ahsan; Salman Al Farisi; Badrus Syamsi
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 6, No 2 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.621 KB) | DOI: 10.30651/jms.v6i2.6943

Abstract

Artikel ini bertujuan untuk menguji tingkat kesehatan Bank Syariah BUMN yang akan di merger, yaitu BRI Syariah, Bank Syariah Mandiri dan BNI Syariah. Data sekunder diperoleh dari laporan keuangan masing-masing bank pada triwulan ketiga tahun 2020. Indikator yang digunakan pada penelitian ini adalah faktor risk profile, rentabilitas dan Capital. Rasio yang dibandingkan adalah rasio Non Performing Financing (NPF), Financing to Deposit Ratio, Net Operating Margin (NOM), Return On Asset (ROA), Return On Equity (ROE), Beban Operasional terhadap Pendapatan Operasional (BOPO) dan Kecukupan Pemenuhan Modal Minimum(KPMM). Rasio-rasio kinerja yang dibandingkan dinilai dengan peringkat sesuai dengan kodifikasi peraturan Bank Indonesia tentang penilaian tingkat kesehatan bank. Dari analisis data yang dilakukan, BRI Syariah memiliki rasio keuangan yang lebih lemah dibandingkan dengan dua bank syariah lainnya. BSM lebih unggul pada rasio NPF, ROA, ROE, NOM dan BOPO, sedangkan BNI Syariah Unggul pada rasio KPMM dan FDR.
PERAN MANDIRI ENTREPRENEUR CENTER (MEC) SURABAYA DALAM MENCETAK WIRAUSAHAWAN Aldi Khusmufa Nur Iman; Muhamad Ahsan
El-Qist: Journal of Islamic Economics and Business (JIEB) Vol. 7 No. 2 (2017): eL-Qist
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, Sunan Ampel State Islamic University, Surabaya Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/elqist.2017.7.2.1476-1494

Abstract

Penelitian ini ditujukan untuk menjawab pertanyaan bagaimana peran Mandiri Entrepreneur Center (MEC) Surabaya dalam mencetak wirausahawan dan proses apa saja yang mendukung dan menghambat Mandiri Entrepreneur Center (MEC) Surabaya dalam mencetak wirausahawan. Dari hasil penelitian diperoleh bahwa peran yang dilakukan Mandiri Entrepreneur Center (MEC) Surabaya dalam mencetak wirausahawan yaitu dengan menjalankan pendidikan kewirausahaan antara lain Entrepreneur Camp, Entrepreneur Session, Entrepreneur Motivation dan Entrepreneur Challenge. Selain itu pihak manajemen juga sangat totalitas dalam mendidik peserta didik. Sedangkan untuk proses yang mendukung Mandiri Entrepreneur Center (MEC) Surabaya dalam mencetak wirausahawan diantaranya adalah fasilitas sarana dan prasarana, support dari beberapa pihak seperti manajemen, pengajar dan warga sekitar, selain itu ada pula faktor pendukung utama yaitu karakter dan kemauan dari dalam diri peserta didik serta orang tua. Namun karakter dari dalam diri peserta didik dan juga orang tua bisa menjadi faktor penghambat pula, jika kemauan dari dalam diri peserta didik dirasa kurang serta tidak adanya dukungan dari orang tua.
Comparative Analysis of Customer Loyalty in Islamic and Conventional Banks: A Literature Review Rokhmat Subagiyo; Burhan Djamaluddin; Muhamad Ahsan
al-Uqud : Journal of Islamic Economics Vol. 5 No. 1 (2021): January
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (362.593 KB) | DOI: 10.26740/al-uqud.v5n1.p97-118

Abstract

This paper aims to analyze customer loyalty to Islamic banks and conventional banks through variables studied from previous research. This study used a qualitative approach to research literature, with data collected from reputable international journal articles indexed Q3 to Q1 and nationally accredited Sinta 3 to Sinta 2. This study examines 55 selected articles about customer loyalty from 1998-2019. The analysis results show that the independent variables, moderating variables, and intervening variables in determining customer loyalty to Islamic banks and conventional banks overlap (have similarities).
Meta Synthesis of GCG, SSB, and CSR on Islamic Banking Performance Usdeldi Usdeldi; M. Ridlwan Nasir; Muhamad Ahsan
Iqtishadia: Jurnal Kajian Ekonomi dan Bisnis Islam Vol 14, No 1 (2021): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v14i1.10175

Abstract

This research applies a meta-synthesis of research articles on financial and maqasid sharia performance from three dimensions: Good Corporate Governance (GCG), Sharia Supervisory Board (SSB), and Corporate Social Responsibility (CSR). The meta-synthesis was carried out on 50 articles from Scopus-indexed international (Q4-Q1) and Sinta-accredited national (S5-S1) journals published between 2000 and 2020. The meta-synthesis is used as a qualitative systematic review method, which has not been used in similar studies. The results show an inconsistent influence of exogenous variables (GCG, SSB, and CSR) on endogenous variables (financial performance and maqasid sharia performance). The inconsistency is likely due to differences in various and incomprehensive uses of variables and measurement indicators. The optimal implementation of GCG, SSB, and CSR  can affect financial performance.
Islamic Prudential Banking Concept to Reduce Non Performing Financing: Literature Review Binti Nur Asiyah; M. Ridlwan Nasir; Muhamad Ahsan
IQTISHADIA Vol 12, No 2 (2019): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v12i2.5641

Abstract

Purpose - This paper aims to develop the concept of prudential banking based on sharia principles to minimize non-performing financing in Indonesia. Methode - This desk research was based on many relevant studies advanced in the literature.  The review was particularly focus on  Sharia Banking Law, Indonesian Banking Regulations, and Financial Services Authority Regulations. A secondary data published by the Indonesian Central Bank on Sharia Banking Statistics for 2014-2018 was used to  sharpen the analysis. In addition, many previous studies on Sharia Banking conducted in other countries (e.g.  Malaysia, Pakistan and other European countries) were discussed in order to widen the importance of Sharia banking in those countries. Findings - The findings of this study include as follows. First, the development of the concept of Islamic prudential banking in the operations of Islamic banks need  to give attention towards business risk and the certainty of the implementation of Islamic principles. Second, the operational of Islamic banks need to consider the important of  sharia human resources, sharia product, sharia process (marketing, management, and standard operational procedure (SOP)) as well. Research limitation- This research limitation article requires follow-up to explore the potential of applying Islamic prudential banking in depth to Islamic banks in Indonesia and apply it to every operational standard procedure from banks. Practical implications – The Practical implication is that Islamic prudential banking should be implemented in accordance with the Islamic concept in its operations so that it is truly able to minimize non performing financing. This study can also be used for policy instruments to improve Islamic Prudential Banking in Indonesia which is not yet available. Also, it can be implemented by other stakeholders of Islamic Banking . Social implication- The social implication of this study  to increase work motivation and raises honesty in work, in accordance with the objectives of Islamic banks. Originality/Value - The originality of this study is due to the facts that studies on Islamic Prudential Banking have little examination. For this reason, this review study can be used as the important input to develop  Islamic prudential banking and to be implemented by the banking and the regulators 
IS IT FAIR TO ASSESS THE PERFORMANCE OF ISLAMIC BANKS BASED ON THE CONVENTIONAL BANK PLATFORM? Elyanti Rosmanidar; Muhamad Ahsan; Abu Azam Al-Hadi; Nguyen Thi Minh Phuong
ULUL ALBAB Jurnal Studi Islam Vol 23, No 1 (2022): Islamic Law and Economic
Publisher : Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ua.v23i1.15473

Abstract

Several studies found the weakness of using conventional performance measurement tools such as CAMELS and RGEC in Islamic banking and the lack of performance measurement tools following the characteristics of Islamic banks. This is the solid reason to have a performance measurement system that integrates the objectives of sharia and the business objectives of sharia banking. This study explores the application of maqâsi}d al-sharî‘ah values in Islamic banking and initiated a Sharia Integrated Performance Measurement (SIPM) structure. This is a library research. The primary data were collected through in-depth interviews with practitioners, experts, and academics of Islamic banking, while secondary data was taken from the literature and previous research that discussed the measurement of Islamic banking performance. The data were analyzed through several stages: data reduction, data display, and concluding with the help of the Atlas.ti application version 8. This study wants to contribute to the idea of building a Sharia Integrated Performance Measurement (SIPM) platform through three components: Islamic commercial performance, Islamic social performance, and Islamic macroeconomics performance in Islamic banking.