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Book Leverage in Islamic Banking in Indonesia Intan Shaferi; Julia Safitri; Arinal Rahmati
Perisai : Islamic Banking and Finance Journal Vol 5 No 2 (2021): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v5i2.1322

Abstract

The purpose of this study is to examine how book leverage is in Islamic banks in Indonesia. The leverage book shows how the use of debt in Islamic banking. This study will give the results of how the lag leverage, profitability with the size of the company as the control have an effect on the book leverage of Islamic banking. This study uses Islamic banking data in Indonesia with a research period of four years, namely 2016-2019. This study used secondary data from Islamic banking and analyzed using regression. The results showed that there is an influence between lag leverage, profitability, and company size on the book leverage of Islamic banking in Indonesia.
The Role of Noan Performing Financing (NPF) as A Mediator for The Relationship Between Operating Expenses and Operating Income (BOPO) on The Performance of Islamic Banks in Indonesia Julia Safitri; Intan Shaferi; Ahmad Ershaid Sami Nusair; Muhamad Arief Affandi
Perisai : Islamic Banking and Finance Journal Vol 5 No 1 (2021): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v5i1.1349

Abstract

This study aims to examine and analyze the relationship between the effect of operating costs and operating income on bank performance which is mediated by credit risk. Using data on Islamic banking companies listed on the IDX in 2012-2019. The methodology in this study uses secondary data. Data specification is panel data (pooled data) which is actually a combination of data consisting of time series data and cross-sectional data. The analysis tool used is SEM-PLS with the WarpPLS 7.0 application. The results of this study indicate that credit risk can partially mediate the effect of operating costs and operating income on bank performance. This research is successful in proving that the operational cost ratio is used to measure the level of efficiency and ability of a bank in conducting its operations. The smaller this ratio means the more efficient the operational costs borne by the bank concerned so that the possibility of a bank in a less problematic condition. The smaller this ratio, the better the bank's performance.
Organizational Citizenship Behavior on Public Organizational Performance Mahfudz Mahfudz; I Made Sukresna; Rio Dhani Laksana; Intan Shaferi
Journal of International Conference Proceedings (JICP) Vol 2, No 3 (2019): Proceedings of the 5th International Conference of Project Management (ICPM) Yog
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v2i3.654

Abstract

The research aims to examine the behaviors and perceptions of public employees regarding organizational performance through their voluntary contributions to the functioning of their organization. OCB can mediate the relationship between subjective constructs of organizational performance and the perceptions of employees regarding their leaders as well as their motivation to serve in the public sector. The purpose of this study is mapping Organizational Citizenship Behavior Model on Public Organizational Performance. The research was conducted in 3 City Sector public area, The population in this research was all employees at public sector organization in 3 Regency City in Central Java: Semarang, Purworejo and Purwokerto. The sample selection was conducted through purposive sampling method. The sample sin this research were civil servants of the financial section in SKPD with the number of 300 respondents. The data used in this study were primary data through the questionnaires.
The Function of Baitul Maal in Public Financial Policy: A Perspective from Islamic Economics Intan Shaferi; Rio Dhani Laksana
Journal of International Islamic Business Studies Vol 1 No 2 (2024): JIIBS
Publisher : Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32424/jiibs.v2i1.16306

Abstract

Conventional economic objectives tend to focus on material gains, often neglecting "immaterial" aspects. All analyses in this framework are directed solely at measuring outcomes from a worldly perspective. In contrast, Islamic economics adopts a more holistic approach, addressing both material and spiritual dimensions, ensuring balance for life in this world and the hereafter. This research explores the role of Baitul Maal in public finance, examining the principles associated with finance and the evolution of Islamic finance from the past to the present. The findings reveal that Baitul Maal, established by the Prophet in Medina, serves as a key financial institution. It manages assets received by the state and distributes them to eligible Muslims, functioning as both a repository and a disbursement mechanism for state revenues. Baitul Maal acts as a hub for storing incoming assets and managing outgoing resources. Key instruments utilized for public financing under the role of Baitul Maal include zakat, state assets and enterprises, kharaj (land tax), jizyah (poll tax), and waqf (endowments).