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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Bisnis dan Kewirausahaan Relevance: Journal of Management and Business Suhuf: International Journal of Islamic Studies
Diharto, Awan Kostrad
UIN Raden Mas Said Surakarta
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences

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Analisis Kesehatan Keuangan Bank Syariah Mandiri Ditinjau dari Faktor Permodalan (CAR), Pembiayaan (FDR), Profitabilitas (ROA & ROE) Serta Risiko Kredit (NPF) Awan Kostrad Diharto
Jurnal Ilmiah Ekonomi Islam Vol 6, No 3 (2020): JIEI : Vol.06, No. 03, 2020
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (151.75 KB) | DOI: 10.29040/jiei.v6i3.1403

Abstract

The aims of the research is to find out the financial soundness of Bank Syariah Mandiri (BSM) seen from the capital factor (CAR), financing (FDR), profitability (ROA & ROE), and credit risk (NPF). This research uses quantitative descriptive methods. The data used are the 2014-2018 financial statements. The results of this study indicate that BSM in terms of capital using the CAR ratio shows an average CAR ratio of 14.75%. This means that BSM in terms of capital is ranked very well. This means that BSM's ability to generate profits is ranked quite well. Bank Syariah Mandiri in terms of financing using the FDR ratio shows an average FDR ratio of 79.81%. This means that BSM's ability to repay short-term loans and meet agreed financing is at a healthy rating. Bank Syariah Mandiri in terms of profitability using the ROA and ROE ratio shows an average ROA of 0.53% and ROE of 6%. Bank Syariah Mandiri in terms of credit risk using the NPF ratio shows an average NPF ratio of 3.18%. This means that there is very little credit provided by Bank Syariah Mandiri and the bank is viewed from the aspect of credit risk, including in a good rating. From the results of these research, indicate that the the soundness level of Bank Syariah Mandiri (BSM) is in a good level of soundness.
Menggagas Model Pengembangan Manajemen Harta Wakaf Tradisional Awan Kostrad Diharto
Jurnal Ilmiah Ekonomi Islam Vol 5, No 2 (2019): JIEI, Vol. 05 No. 02, 2019
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (539.9 KB) | DOI: 10.29040/jiei.v5i2.565

Abstract

Three people issues are: 1) the low quality of education, 2) the cost of increasingly expensive health care, and 3) lack of public welfare, has become a circle of "evil" interrelated and mutually influence one issue among others. Background on the issue tersebutlah, it is necessary that concrete efforts to revisit the idea of classical repertoire, especially Islamic instruments relating to poverty alleviation, one of which is "Waqf". Endowments aims to provide a benefit or benefits diwakafkan property to the person entitled to and used in accordance with teachings of Islamic Sharia. Waqf property in the financing model of traditional, classical fiqh book discusses five models of financing reconstruction waqf property, namely: First, the Loan; Second, Hukr (long-term lease contracts with a lump sum payment that is large enough in advance); Third, Al-Ijaratain (rent with two payments), the Fourth, add the addition of new waqf property and the fifth, onsite replacement (substitution) waqf property. This study develops and implements the fifth above.
The Effects Of Online Customer Reviews And Customer Experiences On Reuse Intention Of Mobile Food Ordering Application (MFOA) Kristyanto Djoko Purnomo; Awan Kostrad Diharto
Relevance: Journal of Management and Business Vol. 4 No. 2 (2021)
Publisher : UIN Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (489.61 KB) | DOI: 10.22515/relevance.v4i2.4418

Abstract

This research was conducted in response to the research gap between some previous research by Auliya (2019), which stated that online customer reviews did not have significant effects on the reuse intention. Meanwhile, Alalwan (2020) in Hariguna & Ruangkanjanases (2020) found different results; namely, online customer reviews had a significant effect on the reuse intention. Therefore, this research objective was to determine the effects of online customer reviews and customer experiences on reuse intention through satisfaction. The research population consisted of Mobile Food Ordering Application (MFOA) users in Central Java with a total sample of 251 respondents. This research used a random sampling technique. Furthermore, the data analysis of this research used the Smart PLS 3.0 application. The research results reported that online customer reviews had a significant positive effect on satisfaction. Besides, online customer reviews, customer experience, and satisfaction had significant effects on reuse intention. There were two points related to the indirect relationship in this research; namely, both online customer review and customer experience had significant effects on reuse intention through satisfaction.
Keputusan Pembelian Kosmetik Halal Ditinjau Dari Brand Image, Harga, Performance SPG Dan Kualitas Produk Lestari, Yunia Ike; Diharto, Awan Kostrad; Wulandari, Fitri
Jurnal Bisnis dan Kewirausahaan Vol 16 No 2 (2023): Jurnal Bisnis dan Kewirausahaan
Publisher : Fakultas Ekonomi - Universitas Setia Budi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31001/jbk.v17i2.2148

Abstract

Fluctuations in consumer decisions in buying halal cosmetics (especially Wardah) are interesting because there are many factors that influence this decision. This study uses four independent variables (Brand Image, Price, SPG Performance, and Product Quality) which are thought to influence consumer decisions in buying Wardah cosmetics. The research method used in this study is a quantitative method with a questionnaire. The population in this study were consumers who had purchased wardah cosmetic products with a non-probability sampling technique using purposive sampling. The sample criteria used in this study are consumers who live in Surakarta and have purchased Wardah cosmetic products. The results showed that Brand Image, SPG Performance, and Product Quality proved to have a significant positive effect on Wardah's cosmetic purchasing decisions. However, the price variable has no effect on the decision to purchase Wardah cosmetics.
What Matters More: Religious Values or Academic Excellence?A Conjoint Analysis of Parental Priorities in Islamic Education Murti, Anjani Wira; Purwanto, P; Diharto, Awan Kostrad; Ramdhani, Deddy; Alauddin , Muhammad Badat
Suhuf: International Journal of Islamic Studies Vol. 37 No. 1 (2025): May
Publisher : Universitas Muhammadiyah Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23917/suhuf.v37i1.10576

Abstract

This study investigates parental preferences in selecting integrated Islamic educational institutions in Mataram, West Nusa Tenggara, particularly among career-oriented parents who face challenges in directly supervising their children’s education. The research aims to identify the most dominant attribute influencing parental preferences and to evaluate the extent to which these attributes contribute to the decision-making process. A quantitative method was employed using conjoint analysis. Data were collected from 100 mothers of kindergarten-aged children residing in Mataram, selected through quota sampling. A questionnaire was used for data collection, and the analysis was conducted using conjoint analysis with a multiple linear regression approach via SPSS. The results indicate that among six evaluated attributes; school quality, teacher quality, school image, service quality, location, and cost only teacher quality and school location significantly influence parental preferences. Among these, teacher quality emerged as the most dominant factor. Collectively, the six attributes accounted for 76.8% of the variance in parental preference, while the remaining 23.2% was influenced by factors outside the research model. These findings underscore the importance of teacher competence and accessibility in shaping school choice decisions, offering valuable insights for educational institutions aiming to attract and retain students through improved staffing and strategic location planning.
Co-Authors Alauddin , Muhammad Badat Fitri Wulandari Kristyanto Djoko Purnomo Lestari, Yunia Ike Murti, Anjani Wira P Purwanto Ramdhani, Deddy