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All Journal Signifikan : Jurnal Ilmu Ekonomi SOROT: Jurnal Ilmu-ilmu Sosial Jurnal Ilmiah Wahana Akuntansi INVENTORY: JURNAL AKUNTANSI Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Jurnal Tabarru': Islamic Banking and Finance Jurnal REP (Riset Ekonomi Pembangunan) Al Maal: Journal of Islamic Economics and Banking Accounting Global Journal Wacana Publik Jurnal Abdi Insani Jurnal Ilmiah Mahasiswa Manajemen, Bisnis dan Akuntansi (JIMMBA) Jurnal Cafetaria Jurnal Revenue : Jurnal Ilmiah Akuntansi EMBISS: Jurnal Ekonomi, Manajemen, Bisnis, Sosial Jurnal Bina Bangsa Ekonomika Bukhori: Kajian Ekonomi dan Keuangan Islam ISLAMIC ACCOUNTING JOURNAL Wahana Islamika: Jurnal Studi Keislaman JAS (Jurnal Akuntansi Syariah) JPS (Jurnal Perbankan Syariah) Jurnal Ekonomi, Manajemen, Akuntansi

Saiful Anwar

Universitas Islam Negeri Salatiga

Author-ID : 2471860

Religion Agriculture, Biological Sciences & Forestry Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Control & Systems Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Environmental Science Health Professions Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences Other

Published : 28 Documents Claim Missing Document

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PENGARUH CAPITAL ADEQUACY RATIO, NON PERFORMING FINANCING, FINANCING TO DEPOSIT RATIO, OPERATIONAL EFFICIENCY RATIO, DAN PROFIT SHARING RATIO TERHADAP KINERJA KEUANGAN BANK UMUM SYARIAH Muhamat Iqbal; Saiful Anwar
Jurnal Revenue : Jurnal Ilmiah Akuntansi Vol. 2 No. 2 (2022): Jurnal Revenue : Jurnal Ilmiah Akuntansi
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/rev.v2i2.69

The purpose of this study was to determine the effect of the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (OER), and Profit Sharing Ratio (PSR) on Financial Performance in Islamic Commercial Bank. The sample used in this study was nine banks, with the sampling technique using purposive sampling. The analytical methode used is multiple linear regressien with Eviews application tools. The result shows that CAR has no effect on ROA, NPF has a significant negative effect on ROA, FDR has no effcet on ROA, OER has a significant negative effect on ROA, and PSR has no effect on ROA. Simultaneously CAR, NPF, FDR, OER, and PSR affect ROA

ANALISIS PENGARUH INTELLECTUAL CAPITAL, PROFIT SHARING RATIO, ZAKAT PERFORMANCE RATIO, ISLAMIC INCOME RATIO DAN INCOME DIVERSIFICATION TERHADAP RETURN ON ASSET Titi Indrayani; Saiful Anwar
Jurnal Revenue : Jurnal Ilmiah Akuntansi Vol. 2 No. 2 (2022): Jurnal Revenue : Jurnal Ilmiah Akuntansi
Publisher : LPPM Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/rev.v2i2.70

This study aims to determine the effect of intellectual capital, profit sharing ratio, zakat performance ratio, islamic income ratio and income diversification on retuen on assets (case study of Islamic Commercial Bank for the 2015-2020 period). This research uses quantitative descriptive research. The sample used in the study were 7 islamic commercial banks. The analysis tool in this study uses multiple liniear regression with Eviews application tools. Based on the test result, it was found that partially intellectual capital variabels had a significant positive effect on ROA, profit sharing ration had a significant negative effect on ROA, zakat performance ratio, islamic income ratio and income diversification have a positive and significant effect on ROA

Pengaruh Pendapatan Asli Daerah, Dana Bagi Hasil, Jumlah Penduduk Terhadap Belanja Daerah Kabupaten/Kota di Provinsi Nusa Tenggara Barat Ardita Tri Handayani; Tri Suryati; Hera Ayuk Marsela; Dani Luqmana; Saiful Anwar
SOROT Vol 17, No 1 (2022)
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat Universitas Riau

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31258/sorot.17.1.41-57

Penelitian ini bertujuan untuk menganalisis pengaruh Pendapatan Asli Daerah (PAD), Dana Bagi Hasil (DBH), Jumlah Penduduk (JP) terhadap Belanja Daerah (BD). Populasi dari penelitian ini terdiri dari sepuluh kabupaten di Provinsi Nusa Tenggara Barat. Sedangkan untuk penentuan sampel menggunakan metode full sampling. Teknik analisis data yang digunakan adalah analisis model regresi data panel. Berdasarkan penelitian yang telah dilakukan diperoleh beberapa kesimpulan bahwa PAD dan DBH secara parsial tidak berpengaruh signifikan terhadap BD pada sepuluh kabupaten/kota di provinsi Nusa Tenggara Barat pada tahun 2015-2019. Sedangkan, JP secara parsial berpengaruh positif dan signifikan terhadap BD di sepuluh kabupaten/kota di provinsi Nusa Tenggara Barat. Kemudian, secara simultan PAD, DBH dan JP berpengaruh signifikan terhadap BD. Dari hasil Penelitian ini memberikan masukan kepada pemerintah khususnya provinsi Nusa Tenggara Barat untuk lebih memanfaatkan sumber daya yang ada agar dapat meningkatkan kesejahteraan penduduk dan pemberdayaan masyarakat sehingga dapat meningkatkan pendapatan daerah dan mengurangi ketergantungan dari pemerintah pusat.This study aims to analyze the effect of Regional Original Income (PAD), Revenue Sharing Funds (DBH), Total Population (JP) on Regional Expenditures (BD). The population of this study consisted of ten districts in the province of West Nusa Tenggara. As for the determination of the sample using the full sampling method. The data analysis technique used is panel data regression model analysis. Based on the research that has been carried out, it can be concluded that PAD and DBH partially have no significant effect on BD in ten regencies/cities in the province of West Nusa Tenggara in 2015-2019. Meanwhile, the JP partially has a positive and significant effect on BD in ten regencies/cities in the province of West Nusa Tenggara. Then, simultaneously PAD, DBH and JP have a significant effect on BD This research provides input to the government, especially the province of West Nusa Tenggara to better utilize existing resources in order to improve the welfare of the population and empower the community so as to increase regional income and reduce dependence on the central government.

Development of Islamic Financial Literacy Media for I-Generation (Internet Generation) as an Effort to Build a Sharia Economic Society Saiful Anwar
Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Vol 4 No 1 (2021): Article Research : Volume 4 Nomor 1, Periode Januari 2021
Publisher : LPPM Sekolah Tinggi Ilmu Ekonomi Al-Washliyah Sibolga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36778/jesya.v4i1.260

This study aims to design the Islamic financial literacy media, implement the Islamic financial literacy media and evaluate the effectiveness of Islamic financial literacy media for i-generation. The research methods and techniques used are Research and Development (R&D), action research, and experimental research. Research and Development Research is used to develop and validate Islamic financial literacy products. Action Research and Experimental Research are used to observe the effectiveness of the implementation of financial literacy learning models. The object of this service is the madrasa aliyah students in Surakarta Karisidenan. The results of the need assessment found that the Islamic financial literacy media that is right for i-generation is an interactive Android-based e-book. This media can increase sharia financial literacy because the internet and android are very familiar and user friendly for i-generation. This research contribution in addition to providing interactive e-books is to form a Sharia Financial Smart Generation community for i-generation. This community can be used as a means of grounding Islamic finance from an early age to realize Indonesia as the center of the world Islamic economy. Other findings from the study found that i-generation was also interested in videograms or memes as a medium for obtaining information so that the media needed to be considered also as media literacy in the digital age.

ANALISA HASIL AUDIT PEMERINTAH TERHADAP TINGKAT KORUPSI PEMERINTAHAN PROVINSI JAWA TENGAH Ahmad Ulil Albab; Anava Salsa Nur savitri; Saiful Anwar
Accounting Global Journal Vol 3, No 2 (2019): Accounting Global Journal
Publisher : Universitas Muria Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24176/agj.v3i2.3587

This research aims to analyze the influence of goverment auditing results such as audit opinion, audit finding, audit retrification on the level of corruption in Central Java Province. This research uses purposive sampling and the research uses secondary data from audit results of State audit board of indonesia (BPK-RI) and data total corruption from Komisi Pemberantasan Korupsi (KPK) and Indonesian Corruption Watch (ICW). The population in this study is all districts and cities in central Java Province.The results of this study showed that audit opinion has negative effect on corruptin level, and that partials audit finding has negative effect and significant on corruption level and audit retrification has positive effect and sifnificant on corruptin level. Simultaneously, these variables have significant influence on corruption level.

DETERMINAN KEPUTUSAN PEMBELIAN KOSMETIK HALAL OLEH MUSLIMAH MILENIAL DI INDONESIA Yuni Ratnawati; Saiful Anwar
Jurnal Bina Bangsa Ekonomika Vol. 14 No. 2 (2021): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

The research aims to knowing the influence of the halal label, celebrity endorser, and word of mouth to decision with buying interest as an intervening variable by muslimah milenial cosmetics “PIXY” user. The population in this research is follower account Instagram @pixycosmetics who uses the product. The technique of sampling with a purposive random sampling method. As for the samples taken are as much as 102 respondents with a questionnaire to collect data. The program to analyze the data using SPSS 25.0. Analysis tool used is the path analysis. The result of this research show that: halal label, celebrity endorser, and word of mouth has a positive and insignificant influence to decision. Halal label and celebrity endorser also have a positive and insignificant influence to purchase interest, while word of mouth has a positive and significant effect on purchase interest. Meanwhile, purchase interest has a positive and significant effect on decisions. Purchase interest cannot be an intervening variable between halal labels on decision, but purchase interest can become an intervening variable between celebrity endorser and word of mouth on decisions

PENGARUH LEVERAGE, PROFITABILITAS, LIKUIDITAS, SALES GROWTH DAN FIRM SIZE TERHADAP FINANCIAL DISTRESS PADA PERUSAHAAN PULP & KERTAS DAN PLASTIK & KEMASAN YANG TERDAFTAR DI BURSA EFEK INDONESIA Panji Satrio Aji; Saiful Anwar
Jurnal Bina Bangsa Ekonomika Vol. 15 No. 1 (2022): Jurnal Bina Bangsa Ekonomika (JBBE)
Publisher : LP2M Universitas Bina Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46306/jbbe.v15i1.106

The purpose of this research is to find out the influence of leverage, profitability, liquidity, sales growth and firm size on financial distress. This research uses this type of quantitative research using multiple linear regression analysis. This study uses secondary data in the form of panel data on Pulp &Paper and Plastic &Packaging companies available on the Indonesia Stock Exchange (IDX) for the period 2016-2020. The data management used is Eviews 9. The sampling method used is purposive sampling that uses several criteria so that there are 7 companies that are sampled research. Based on the results of the test, it was found that partially the leverage variable has no significant effect on financial distress, profitability has a positive effect on financial distress, negative liquidity effect is not significant to financial distress, sales growth has a positive effect not significant on financial distress, firm size has a significant positive effect on financial distress. Simultaneously the variables of leverage, profitability, liikuidity, sales growth and firm size have a significant effect on financial distress

EVALUASI EFEKTIVITAS DAN EFISIENSI KINERJA PEMERINTAH DESA KALIKURMO KECAMATAN BRINGIN KABUPATEN SEMARANG PERIODE 2016-2018 Ichda Apriliani Lutfi; Della Eka Safitri; Mega Rukmanawati; Saiful Anwar; Nur Kabib
Jurnal Abdi Insani Vol 7 No 1 (2020): Jurnal Abdi Insani Universitas Mataram
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v7i1.309

Kegiatan penelitian dan pengabdian kepada masyarakat ini bertujuan untuk menganalisis kinerja pemerintah desa Kalikurmo tahun 2016-2018. Hasil kajian ini menjadi dasar untuk melakukan evaluasi demi terciptanya peningkatan efektifitas dan efisiensi kinerja perangkat desa dalam hal pelayanan kepada masyarakat. Metode yang digunakan pada kegiatan ini adalah metode deskriptif kualitatif menggunakan rasio efektivitas dan efisiensi untuk mengukur kinerja pemerintah desa Kalikurmo. Data primer diperoleh melalui observasi. Data penunjang diperoleh dari Laporan Realisasi Anggaran pemerintah desa Kalikurmo. Hasil kegiatan menunjukkan bahwa rasio efektivitas anggaran pendapatan tahun 2016-2018 kinerja pemerintah desa Kalikurmo Kecamatan Bringin Kabupaten Semarang sangat efektif dengan prosentase 100%. Sedangkan untuk rasio efisiensi anggaran belanja tahun 2016-2018 pemerintah desa Kalikurmo Kecamatan Bringin Kabupaten Semarang dinilai kurang efisien dengan kisaran 90%-100%. Hal ini disebabkan pemerintah desa Kalikurmo terlalu boros dalam menggunakan anggaran belanja desa. Berdasarkan hal tersebut, disimpulkan sebuah rekomendasi untuk melakukan penghematan anggaran belanja dalam rangka meningkatkan efisiensi pembelanjaan dana desa.

OPTIMALISASI DANA DESA MELALUI ANALISIS PEMBELANJAAN DI DESA PABELAN KABUPATEN SEMARANG Lutfi Ade Yulianti; Anita Wahyu Alviani; Muhammad Muchlisun; Ahmad Ulil Albab Al Umar; Saiful Anwar
Jurnal Abdi Insani Vol 7 No 1 (2020): Jurnal Abdi Insani Universitas Mataram
Publisher : Universitas Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29303/abdiinsani.v7i1.311

Kegiatan Penelitian dan Pengabdian kepada masyarakat ini bertujuan untuk merumuskan gagasan dalam rangka optimalisasi penggunaan dana desa. Gagasan tersebut dihasilkan melalui pelaksanaan kajian ilmiah, yaitu studi kasus penggunaan dana di Desa Pabelan Kabupaten Semarang. Bentuk kegiatan ini adalah analisa pertanggungjawaban dana desa di Kabupaten Semarang, identifikasi masalah yang terjadi, dan mencari solusi untuk masalah tersebut. Kegiatan ini dilakukan dengan metode penelitian kualitatif deskriptif dengan pendekatan studi kasus. Pengumpulan data dilakukan melalui wawancara dan analisis dokumen. Penelitian dilakukan di sebuah desa di Kabupaten Semarang, yaitu di Desa Pabelan. Hasil penelitian menunjukkan bahwa akuntabilitas dana desa di Kabupaten Semarang belum berjalan dengan baik. Ada beberapa masalah dalam pertanggungjawaban dana desa di Kabupaten Semarang, termasuk laporan pertanggungjawaban yang disampaikan kepada Bupati tidak lengkap, laporan pertanggungjawaban tentang pelaksanaan APBD terlambat diinformasikan kepada publik dan ada informasi yang tidak sinkron dari informan yang diwawancarai. Berdasarkan hal tersebut, dihasilkan sebuah gagasan, yaitu diperlukan adanya pelatihan secara intensif agar kualitas perangkat desa menjadi lebih baik sehingga dapat menyusun laporan keuangan secara lengkap, perangkat desa perlu lebih berinisiatif serta tanggap dalam pelaksanaan pertanggungjawaban dana desa, perangkat desa diharapkan lebih terbuka sehingga tidak terjadi asimetric information.

Pengaruh Biaya Operasional dan Pendapatan Operasional, Net Operating Margin, Dana Pihak Ketiga dan Capital Adequacy Ratio terhadap Profitabilitas Bank Syariah Rahma Aulia; Saiful Anwar
Bukhori: Kajian Ekonomi dan Keuangan Islam Vol. 1 No. 1 (2021): Juli
Publisher : Penerbit Goodwood

Purpose: This study examined the effect of Operational Efficiency Ratio (BOPO), Net Operating Margin (NOM), Third Party Funds (DPK) and Capital Adequacy Ratio (CAR) On Profitability With Financing To Deposito Ratio (FDR) As Intervening Variable in Islamic Commercial Bank. Research Methodology: The sample used in this study was 11 banks with the sampling technique using purposive sampling. The analytical method used was multiple linear regression Results: The results show that the variables BOPO and NOM have no effect on FDR. DPK and CAR have a positive and significant effect on FDR. FDR and NOM have a positive and significant effect on Profitability. BOPO, DPK and CAR have no effect on Profitability. FDR is able to be an intervening variable in the relationship between DPK and CAR to Profitability. FDR is not able to be an intervening variable in the relationship between BOPO and NOM to Profitability. Limitations: The sample of this study was only 11 Islamic commercial banks and only used the Islamic banking sector in Indonesia, which is listed on the Indonesia stock exchange. Contribution: The research is helpful for further investigation. One of the guidelines in choosing which variables to use and which one to use in the study should be understood in selecting Islamic financial performance. Keywords: BOPO, NOM, DPK, CAR, Profitability, FDR

Co-Authors Agust Setiawan Ahmad Ulil Albab Albab Al Umar, Ahmad Ulil Alina Widyasari Anava Salsa Nur Savitri Anis Choirun Nisa Anita Wahyu Alviani Anton Bawono Ardita Tri Handayani Arna Asna Annisa Arneta Ardelia Novem Dani Luqmana Della Eka Safitri Desy Nur Pratiwi Dewi Septiningsih Dinar Rifatul Wafa Esta Ifani Chairun Nisa Evi Rahmawati Fajaryant Aprilianto Fatkhul Kholifatul Azizah Ferdi Yanto Hanifah Indarwati Hera Ayuk Marsela Ichda Apriliani Lutfi Ikhlashul Amal Firdaus Laela Nurul Safa'ah Lora Lorenza Lutfi Ade Yulianti Mega Rukmanawati Mia Fajriati Muhamat Iqbal Muhammad Ali Faisal Muhammad Muchlisun Nailis Safaah Nihayatul Qurrotulaini Nur Kabib Panji Satrio Aji Rahma Aulia Rekno Sawiji Lestari Rekno Sawiji Lestari Resti Januarti Rifda Nabila Rifda Nabila Rika Amanda Heryaningrum Rizki Galih Kuncoro Rofiuddin, Mohammad Rosana Eri Puspita Sasabila Tisat Anisa Silva Prasasti Siti Muthi’ah Susi Wulandari Titi Indrayani Tri Suryati Yuni Ratnawati Yuni Ratnawati Yusvita Nena Arinta Zulfatunnisa Zulfatunnisa Zulfia Syani

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