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KUALITAS PELAYANAN DENGAN MENGGUNAKAN TEKNOLOGI DIGITAL PADA PEGADAIAN SYARIAH DI INDONESIA Ayu Andini; Widi Boerdan; Fika Febrianti; Muhammad Fadhil Maulana; Suryo Budi Santoso
Business, Economics dan Entrepreneurship Vol 4 No 2 (2022): Business, Economics and Entrepreneurship
Publisher : Institut Shanti Bhuana, Program Studi Kewirausahaan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46229/b.e.e..v4i2.443

Abstract

Tujuan dari penelitian yaitu agar dapat mengetahui kualitas pelayanan pada Pegadaian Syariah yang menggunakan teknologi digital. Dalam metode ini menggunakan metode kualitatif. Hasil dari penelitian ini menunjukkan sistem online yang disediakan oleh pihak pegadaian sangat efektif bagi nasabah yang ingin bertransaksi dimana saja. Namun, pegadaian digital tidak berjalan dengan baik karena kurangnya komunikasi sosial dari pegadaian tentang sistem layanan baru, yaitu online yang mudah diakses, gratis serta dengan cara mengunduh Play Store ataupun App Store. Karena teknologinya rawan kesalahan dan kegagalan transaksi, nasabah lebih memilih menggunakan pendekatan manual daripada aplikasi Pegadaian Syariah Digital. Seharusnya nasabah dapat menggunakan aplikasi Pegadaian Syariah Digital untuk melakukan transaksi smartphone tanpa harus melakukannya secara manual. Dengan dibuatnya aplikasi Pegadaian Syariah Digital ini, konsumen dapat bertransaksi tanpa harus mengunjungi Pegadaian Syariah secara fisik, dan aplikasi ini mencakup berbagai pilihan yang dapat dipilih pada saat bertransaksi.Dibandingkan dengan layanan online, nasabah Pegadaian Syariah masih lebih memilih layanan manual, dengan hanya sedikit pengguna layanan yang menggunakan aplikasi Pegadaian Syariah Digital. Dikarenakan kurangnya sosialisasi kelembagaan dengan klien dan kurangnya informasi klien tentang aplikasi Pegadaian Syariah Digital. Selain itu, berdasarkan perbandingan kualitas layanan, manual layanan tidak terlalu menuntut konsumen. Ilmu manajemen perbankan terkait dengan kualitas layanan. Kualitas pelayanan didefinisikan sebagai ukuran relatif dari kebaikan suatu produk atau jasa, serta kesesuaian dan kesesuaian produk atau jasa dengan orang lain, sehingga pelanggan dapat menikmati kualitas pelayanan yang baik. Rasio profitabilitas digunakan di pegadaian syariah untuk menentukan tingkat keuntungan atau keuntungan suatu korporasi. Faktor internal dan eksternal dapat mempengaruhi pegadaian syariah memperoleh keuntungan atau tidak.
Effect of Profitability, Leverage, and Liquidity on Company Value with Dividend Policy as A Moderation Variable (In IDX High Dividend Companies 20 Period 2017 – 2021) Silvia Mutiara Prihanta; Ira Hapsari; Suryo Budi Santoso; Hardiyanto Wibowo
Formosa Journal of Applied Sciences Vol. 2 No. 1 (2023): January, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/fjas.v2i1.2393

Abstract

This study aims to examine the effect of profitability, leverage, and liquidity on company value at IDX High Dividend 20 with a moderating variable, namely dividend policy. The type of data used is secondary data obtained from the IDX and the samples used in this study are companies that are included in the high dividend index criteria for 2017 - 2021 so a sample of 81 is obtained. The sampling technique is purposive sampling with a pooled unbalanced sample or using all samples. existing but not balanced in the number of years. The data analysis method used is Moderated Regression Analysis (MRA). The results of the analysis test show that the effect of profitability, leverage and dividend policy has a positive effect on company value, and liquidity has no effect on company value. In addition, the dividend policy is not able to moderate profitability, leverage, and liquidity on company value.
The Effect of Earnings Per Share (EPS) and Company Size on Company Value with Return on Assets as Moderating Variables (Case Study of Companies Registered on JII-70 during the Covid-19 Period in 2020-2021) Fyna Maulina; Suryo Budi Santoso; Sri Wahyuni; Dwi Winarni
Jurnal Ekonomi dan Bisnis Digital Vol. 2 No. 1 (2023): January, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ministal.v2i1.2376

Abstract

This study examines the effect of company size and Earnings Per Share (EPS) on firm value with Return on Assets (ROA) as a moderating variable in companies listed on JII-70 during the Covid-19 period 2020-2021. The sampling technique used in this study This is a purposive sampling technique so that as many as 98 data are obtained. The data analysis technique used is multiple regression analysis and Moderated Regression Analysis (MRA) with the help of the SPSS program. The results showed that the EPS variable had no effect on firm value, firm size had a negative effect on firm value, ROA strengthened the effect of the EPS relationship on firm value, and ROA weakened the effect of firm size on firm value.
The Effect of Intellectual Capital, Size of the Sharia Supervisory Board and Islamicity Performance Index on Profitability Tukhfatul Aeny; Iwan Fakhruddin; Suryo Budi Santoso; Ira Hapsari
Jurnal Multidisiplin Madani Vol. 3 No. 2 (2023): February 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/mudima.v3i2.2427

Abstract

This study aims to determine the effect of intellectual capital, the size of the sharia supervisory board, and the Islamicity performance index which is proxied by the profitsharing ratio and the zakat performance ratio on profitability which is proxied by Return on Assets (ROA) in Islamic Commercial Banks in Indonesia. This research uses a quantitative approach. The population of this study is Islamic Commercial Banks in Indonesia that are registered with the Financial Services Authority (OJK) for the 2017-2021 period and the sample size is 15 banks. Data processing in this study used the STATA 17 program. The analytical method used in this study was the panel data regression analysis model. The results of this study indicate that the Intellectual Capital and Zakat Performance Ratio variables have a positive effect on profitability. Meanwhile, the size of the Sharia Supervisory Board and ProfitSharing Ratio has no effect on Profitability
The Effect of Financial and Non-Financial Performance on Islamic Social Reporting Caesara Insan Juniar; Iwan Fakhruddin; Suryo Budi Santoso; Siti Nur Azizah
Indonesian Journal of Business Analytics Vol. 3 No. 2 (2023): April, 2023
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/ijba.v3i2.2223

Abstract

The development of sharia banking is the reason for the need for disclosure of social responsibility in accordance with sharia principles. This study aims to empirically examine the influence of Profitability, Liquidity, Leverage and Sharia Supervisory Board Size on Islamic Social Reporting in Islamic Commercial Banks in Indonesia registered with the Financial Services Authority (OJK). The theoretical basis used in this research is Legitimacy Theory and Shari'ah Enterprise Theory. This study used a purposive sampling method so that a sample of 11 banks was obtained during the 2017-2021 period. In this study using secondary data and data analysis method used is multiple linear analysis. The research results show that Profitability has a negative and significant effect on Islamic Social Reporting and Liquidity has a positive and significant effect on Islamic Social Reporting . Meanwhile, Leverage and Size of the Sharia Supervisory Board each do not have a significant effect on Islamic Social Reporting.
Determinan Kebijakan Utang (Studi Kasus Pada Badan Usaha Milik Negara (Bumn) Di Indonesia Periode 2019-2021) Ainul Faizah Zahroh; Hadi Pramono; Suryo Budi Santoso; Hardiyanto Wibowo
JEMSI (Jurnal Ekonomi, Manajemen, dan Akuntansi) Vol. 9 No. 3 (2023): Juni 2023
Publisher : Sekretariat Pusat Lembaga Komunitas Informasi Teknologi Aceh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35870/jemsi.v9i3.1105

Abstract

Penelitian ini bertujuan untuk mengkaji bagaimana struktur aset, free cash flow, invesment opportunity set, ukuran perusahaan berpengaruh terhadap kebijakan utang dalam studi kasus di Badan Usaha Milik Negara yang terdaftar di Bursa Efek Indonesia. Populasi penelitian ini adalah perusahaan BUMN yang tercatat sebanyak 89 perusahaan selama tahun 2019-2021. Sampel dipilih berdasarkan metode purposive sampling dan didapat sampel 27 perusahaan. Regresi data panel digunakan sebagai teknik analisis data. Hasil penelitian menunjukkan bahwa terdapat pengaruh negatif signifikan terhadap kebijakan utang antara struktur aset, FCF dan ukuran perusahaan. Namun, hubungan antara invesment opportunity set dan kebijakan utang tidak dapat dibuktikan dalam penelitian ini.
E-BANKING APPLICATION INFORMATION SYSTEM IN SHARIA BANK: Sharia Banking, Information System, E-Banking Novi Sofwatunnisa; Muizz Doni Kurniawan; Muhammad Ilhan Manzis; Hardian Rifanza; Suryo Budi Santoso
JPIM (Jurnal Penelitian Ilmu Manajemen) Vol 8 No 2 (2023): JPIM (JURNAL PENELITIAN ILMU MANAJEMEN)
Publisher : Universitas Islam Lamongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30736/jpim.v8i2.1625

Abstract

The purpose of this study is to determine the management information system used to implement the use of E-banking at Islamic banks using digital technology in the form of gadgets or smartphones. Islamic economic growth has entered Indonesia's broad economic policy framework, so that sharia-based banking has become the driving force for the development of traditional banks. In carrying out its activities, Islamic banks utilize information technology to form and create systems in Islamic banking, namely a special application that can facilitate transaction procedures for customers so that Islamic banks can be said to be relatively good at applying technology.
Pengaruh Kemajuan Teknologi Informasi Terhadap Saham Syariah Elza Devi Wiranti; Sandra Dewi; Ira Sagita; Fara Rizqy Salsabila; Suryo Budi Santoso
Tirtayasa Ekonomika Vol 18, No 1 (2023)
Publisher : FEB Universitas Sultan Ageng Tirtayasa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35448/jte.v18i1.15548

Abstract

Abstrak Saham syariah merupakan produk investasi yang menerapkan sistem syirkah atau kepemilikan saham yang menitikberatkan pada kesepakatan dan tanggung jawab antara dua pihak atau lebih. Teknologi Informasi (TI) atau dalam bahasa inggris yaitu Information Technology (IT), istilah umum untuk teknologi yang membantu manusia membuat, memodifikasi, menyimpan, berkomunikasi, dan mendistribusikan informasi. Tujuan dari penelitian ini adalah untuk mendapatkan pemahaman tentang kemajuan teknologi informasi pada saham syariah saat ini. Penelitian ini merupakan penelitian deskriptif kualitatif, artinya menggambarkan subjek penelitian dengan menggunakan kajian literature pustaka dan mengumpulkan data-data yang telah dikumpulkan dibandingkan dengan sumber satu dengan sumber lainnya sehingga menghasilkan kesimpulan yang diharapkan. Hasil kesimpulan penelitian ini disajikan menggunakan data kualitatif dimana data-data tersebut berupa deskriptif kalimat, bukan berupa angka maupun diagram. Hasil dari penelitian ini mengungkapkan bahwa seiring dengan perkembangan teknologi informasi yang semakin pesat khususnya untuk saham-saham syariah semakin banyak ditemukan bahwa semakin berkembang dan maju. Saat ini teknologi semakin mudah dan praktis, sehingga jual beli saham semakin mudah. Teknologi informasi memberikan manfaat yang sangat banyak untuk perusahaan, diantaranya adalah dapat mengurangi aktivitas bisnis yang elusif juga memberikan informasi yang akurat, mudah dimengerti dan terjamin pada bentuk perencanaan, pengaturan, dan pengambilan ketentuan manajemen.Kata kunci: Teknologi informasi, bank syariah, saham syariah
ANALISIS MANAJEMEN LABA, KINERJA KEUANGAN DAN PROFITABILITAS BANK SYARIAH DI INDONESIA Yunita Restufani; Maryati Eka Lestari; Suryo Budi Santoso
Journal of Fundamental Management (JFM) Vol 1, No 2 (2021): JULI 2021
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/jfm.v1i2.13858

Abstract

AbstractThe purpose of this study is to determine the comparison of earnings management and financial performance in Islamic banks with conventional banks, and how the payment method of mudharabah and musyarakah affect the profitability of Islamic banks. By knowing how earnings management, financial performance, and the effect of financing on the profitability of Islamic banks, we can know how the responsibility of responsibility centers in Islamic banks is. The research data was obtained by conducting case studies on books and the results of previous research. Meanwhile, the method of analysis of this study uses descriptive methods. The results obtained from the research are that responsibility accounting is used by Islamic banks to ease the burden on top management; there are differences in research results in the comparison of earnings management; the ability to earn profits of Islamic banks tends to be higher than conventional banks; and mudharabah has a positive effect while musyarakah has a negative effect on Return of Assets. AbstrakPenelitian ini dilakukan dengan tujuan untuk mengetahui perbandingan manajemen laba dan kinerja keuangan pada bank syariah dengan bank konvensional, serta bagaimana pembiayaan dengan menggunakan metode mudharabah dan musyarakah berpengaruh pada profitabilitas yang dihasilkan bank syariah. Dengan mengetahui bagaimana manajemen laba, kinerja keuangan dan pengaruh pembiayaan terhadap profitabilitas bank syariah, dapat diketahui bagaimana pertanggungjawaban pusat pertanggungjawaban pada bank syariah. Data penelitian diperoleh dengan cara melakukan studi kasus pada buku dan hasil penelitian terdahulu. Sedangkan untuk metode analisis menggunakan metode deskriptif. Hasil yang didapatkan dari penelitian adalah akuntansi pertanggungjawaban digunakan oleh bank syariah untuk meringankan beban manajemen puncak; terdapat perbedaan hasil penelitian dalam perbandingan manajemen laba; kemampuan memperoleh laba bank syariah cenderung lebih tinggi dibandingkan dengan bank konvensional; serta pembiayaan mudharabah memiliki pengaruh positif sedangkan pembiayaan musyarakah berpengaruh negatif terhadap Return of Asset.
The Impact of Teacher Competencies, Academic Supervision, and Principal Leadership on Teacher Performance in the Gambia's Government High Schools Kebba Saine; Suryo Budi Santoso
Proceedings Series on Social Sciences & Humanities Vol. 15 (2024): Proceedings of International Conference on Management, Accounting, Economics, and Bu
Publisher : UM Purwokerto Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30595/pssh.v15i.934

Abstract

The purpose of this study is to determine the impact of teacher competencies, academic supervisors, and principal leadership on teacher performance. A quantitative method was used in this study. A questionnaire utilizing a Likert-type of 5 rating scales was used to collect information using the survey method. The study included 125 respondents who were chosen at random from the senior high schools in Regional Education Directorate I&II. Multiple linear regression and the coefficient of determination test (R2) were used to analyze the data. According to the findings, teacher competencies, academic supervision, and principal leadership all have a positive and significant impact on teachers' performance. Leadership is necessary to guide, oversee, and regulate people, property, and challenges affecting the school, as well as to identify appropriate solutions to problems that may appear in order to achieve the desired objectives. The efforts of the vice principals and other senior teachers as supervisors can supplement the endeavors of the principal to ensure the correct execution of plans and accomplish their objectives. Academic supervision assists teachers in identifying and strengthening their weak areas in order to deliver appropriately, as well as improving their skills and performance. Activities like these could add to good working conditions, ethics, and a welcoming environment for teachers and students, as well as increasing teachers' competencies by providing them with thorough knowledge and mastery of their subject area and job in order boost their performance. This study will give insights into the factors that have a significant impact on teachers' performance.