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POTENSI FINANSIAL TEKNOLOGI SYARIAH DALAM MENJANGKAU PEMBIAYAAN NON-BANK FAWZI BHAKTI PRESTAMA; MUHAMMAD IQBAL; SELAMET RIYADI
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i2.217

Abstract

The purpose of this study is to analyze the potential of Crowdfunding and Peer-to-Peer Lending Financial Technology (FinTech) Sharia to reach the non banking financing. There are four Crowdfunding and Peer-toPeer LendingFinTech Sharia operators in Indonesia used as the sample. The data used in this study was obtained from direct interview with the FinTech operators and literature study of similar subject. The analysis method used in this study is SWOT analysis. The results of the study which used SWOT analysis model found that the Crowdfunding and Peer-to-Peer Lending FinTech Sharia are not a threat to existing Sharia financial institutions and can also increase the penetration of sharia financial industry in Indonesia because they offer cost efficiency, ease of access, speed of financing distribution, and the low rate of nonperforming financing. However, there are still small quantity of FinTech Sharia registered at OJK, no specific regulation for FinTech Sharia and no Sharia Supervision Board in many FinTech Sharia can be obstacles for FinTech Sharia operators.
Pengaruh LDR, BOPO, NPL dan Mobile Banking terhadap Profitabilitas Pasaribu, Magdhalena Br; Riyadi, Selamet
Jurnal Ilmu Manajemen Vol 11, No 2 (2022): Jurnal Ilmu Manajemen
Publisher : Universitas muhammadiyah palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jimn.v11i2.4486

Abstract

This study aims to analyze the effect of the Loan to Deposit Ratio (LDR), Operating Costs of Operating Income (BOPO), Non Performing Loans (NPL), and Mobile Banking (MB) on Profitability (ROA) at PT Bank Tabungan Negara (Persero) Tbk from 2011 to 2020. The multiple Linear Regression Analysis Model is used to determine the magnitude of the relationship between the independent variable and the dependent variable while testing the hypothesis by using a t-test (partial) and f-test (simultaneous). Based on the results of the study from 2011 to 2020, it was concluded that the t-test (partial) showed that LDR had an insignificant positive effect on profitability. BOPO has a negative and significant effect on profitability. NPL and MB show that the two independent variables have no significant negative effect on profitability. With the f test (simultaneous) the significance of the effect of the independent variables, LDR, BOPO, NPL, and MB on the dependent variable Profitability can be concluded simultaneously has a significant positive effect on Profitability. The coefficient of determination adj R2 is 97.1%, this indicates that there is a very strong correlation where the independent variables LDR, BOPO, NPL, and MB greatly affect profitability, while 2.9% of other variables are outside the model of this study.
Pengaruh Literasi Keuangan dan Faktor Demografi terhadap Minat Masyarakat Berinvestasi Di Pasar Modal (Studi Kasus Pada Masyarakat usia 21-35 Tahun di DKI Jakarta) Anggarini, Vellaniar Yunias; Riyadi, Selamet
Jurnal Ilmu Manajemen Vol 11, No 2 (2022): Jurnal Ilmu Manajemen
Publisher : Universitas muhammadiyah palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jimn.v11i2.3701

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This study aims to analyze and obtain empirical evidence of the influence of financial literacy and demographic factors on public interest in investing in the capital market. This research is a quantitative research with data collection methods using questionnaires distributed to the public in DKI Jakarta with the condition that people who already have income which are 4,836,980 correspondents. A minimum sample of 100 respondents is obtained by calculating the sample using the Slovin technique and data processing is assisted by using SPSS statistical software, the feasibility test of the data in this study uses validity and reliability tests, while for the analytical method using descriptive analysis, classical assumption test, multiple linear regression analysis and hypothesis testing. The results of this study are financial literacy has no significant effect on people's interest in investing in the capital market, while demographic factors have a significant effect on public interest in investing in the capital market but after a feasibility test on the two independent variables the results are both variables have a significant effect on people's interest in investing in the capital market. capital market
PENGARUH NON PERFORMING FINANCING (NPF), FINANCING TO DEPOSIT RATIO (FDR), DAN BIAYA OPERASIONAL DAN PENDAPATAN OPERASIONAL (BOPO) TERHADAP RETURN ON ASSET (ROA) PADA BANK SYARIAH MANDIRI PERIODE 2015-2019 Khuzaematul Hasanah; Selamet Riyadi
Jurnal Ilmiah Akuntansi Rahmaniyah Vol 4 No 2 (2021): Jurnal Ilmiah Akuntansi Rahmaniyah (JIAR)
Publisher : Institut Rahmaniyah Sekayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51877/jiar.v4i2.196

Abstract

Penelitian ini dilakukan untuk menganalis Pengaruh Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya Operasional dan Pendapatan Operasional terhadap Return On Asset (ROA) pada PT Bank Syariah Mandiri Periode 2015-2019. Populasi yang digunakan pada penelitian ini adalah semua Laporan Keuangan PT Bank Syariah Mandiri dengan menggunakan teknik purposive sampling dengan kriteria yang ditetapkan oleh penulis. Analisis yang digunakan adalah metode analisis regresi linier berganda. Berdasarkan hasil secara simultan Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), dan Biaya Operasional dan Pendapatan Operasional memiliki pengaruh dan signifikan terhadap Return On Asset (ROA) pada PT Bank Syariah Mandiri Periode 2015-2019, sedangkan secara parsial variabel Non Performing Financing (NPF) mempunyai pengaruh negatif dan signifikan terhadap Return On Asset (ROA) pada Bank Syariah Mandiri, Financing to Deposit Ratio (FDR) tidak memiliki pengaruh signifikan terhadap Return On Asset (ROA) pada Bank Syariah Mandiri, dan Biaya Operasional dan Pendapatan Operasional (BOPO) memiliki pengaruh negatif dan signifikan terhadap Return On Asset (ROA) pada Bank Syariah Mandiri.
Mapping of Islamic Bank Financial Distress in Indonesia Iqbal, Muhammad; Riyadi, Selamet; Sabrianti, Priska; Afidah, Afifah Nur
Jurnal Economia Vol 14, No 2: October 2018
Publisher : Faculty of Economics Universitas Negeri Yogyakarta in collaboration with the Institute for

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1176.672 KB) | DOI: 10.21831/economia.v14i2.20482

Abstract

Abstract: Mapping of Islamic Bank Financial Distress in Indonesia. This study aims to identify and analyse the level of financial distress of Indonesian Islamic Bank.  The data of this study would be utilised to map the level of financial distress of various Islamic banks. This study also aims to assess the level of financial distress by utilising different methods and compare the result. This study measures the level of financial distress by using three different methods, which are: Altman Modification method, Bankometer and Risk Based Bank Rating. This study uses a comparative descriptive approach with eleven samples of Islamic Commercial Banks in Indonesia during 2010-2016. This study finds that Islamic banks in Indonesia are not indicated to have financial distress, but still have the potential to experience financial distress, where each Islamic Bank has different levels of financial distress with another. The three methods of measuring the level of financial distress have differences in measuring financial difficulties in Islamic banks. Keywords: Islamic bank, financial distress, altman modification, bankometerAbstrak: Pemetaan Tingkat Kesulitan Keuangan Bank Syariah di Indonesia. Penelitian ini bertujuan melihat seberapa besar tingkat kesulitan keuangan yang terjadi pada bank syariah di Indonesia. Data penelitian ini ditujukan untuk memetakan keberagaman tingkat kesulitan keuangan bank syariah serta mencoba membandingkan beberapa metode penilaian kesulitan keuangan bank yang ada pada bank syariah. Pengukuran tingkat kesulitan keuangan menggunakan tiga metode yang berbeda, yaitu: metode Altman Modifikasi, Bankometer dan Risk Based Bank Rating. Metode penelitian menggunakan pendekatan deskriptif komparatif dengan sampel sebelas Bank Umum Syariah di Indonesia selama periode 2010-2016. Hasil penelitian menunjukkan bahwa bank syariah di Indonesia tidak terindikasi mengalami kesulitan keuangan, namun tetap berpotensi mengalami kesulitan keuangan dengan tingkat kesulitan keuangan yang berbeda antara satu bank syariah dengan bank syariah lainnya. Penelitian ini juga menemukan bahwa ketiga metode pengukuran tingkat kesulitan keuangan yang digunakan pada penelitian ini memberikan hasil yang berbeda dalam mengukur kesulitan keuangan pada bank syariah. Kata kunci: Bank Syariah, Kesulitan Keuangan, Altman Modifikasi, Bankometer 
Peran Struktur Modal dalam Memediasi Pengaruh Firm Size dan Profitabilitas terhadap Nilai Perusahaan Sub Sektor Makanan dan Minuman Priyanto, Sugeng; Riyadi, Selamet
Jurnal Ilmu Manajemen Vol 13, No 1 (2023): Jurnal Ilmu Manajemen
Publisher : Universitas muhammadiyah palembang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32502/jimn.v13i1.6847

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This research aims to determine the role of capital structure in mediating the influence of firm size and profitability on company value. This research uses secondary data with a population of 43 food and beverage companies listed on the Indonesia Stock Exchange with the observation year 2018-2022.The sampling technique used in this research is purposive sampling with multiple linear regression analysis and path analysis methods.The results of this research show that firm size, profitability as proxied by return on equity have a positive and significant influence on capital structure, firm size has a negative and significant influence on firm value, profitability as proxied by return on equity and capital structure have a positive and significant influence on value. company, capital structure is able to mediate the influence of firm size on company value and capital structure is not able to mediate the influence of profitability on company value.
Optimization of Profit-Sharing Financing at Islamic Banking in Indonesia Riyadi, Selamet; Iqbal, Muhammad; Pangastuti, Annisa Arifah; Muditomo, Arianto
Jurnal Keuangan dan Perbankan Vol 25, No 2 (2021): April 2021
Publisher : University of Merdeka Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26905/jkdp.v25i2.5212

Abstract

The purpose of this study is to identify factors that can encourage an increase in profit- sharing financing. These factors are third-party funds in the form of mudharabah deposits, non-performing financing, equivalent rate, operational efficiency ratio, economic growth, and inflation. The research method uses a co-integration and error correction model (ECM) with a sample of the Islamic banking industry in Indonesia from the first quarter of 2015 to the third quarter of 2020. The results show that the factors that encourage profit-sharing financing are the growth of third-party funds in the form of mudharabah deposits, non- performing low funding, low equivalent rate, operational efficiency, and economic growth. These factors are the key to driving the growth of profit-sharing financing. This research contributes to providing various alternative strategies in encouraging the growth of profit- sharing financing, such as increasing retained earnings from profit, providing attractive profit-sharing incentives, transparency of financial reports to attract people to invest in Islamic banks, prevention and supervision of non-performing financing, be careful in determining the ratio by taking into account several internal and external aspects, as well as paying attention to the movements of existing economic growth. DOI : https://doi.org/10.26905/jkdp.v25i2.5212
The Implementation of Digital Technology to Enhance Energy Business Sustainability Through Operational Performance Improvement Saputro, Adi; Riyadi, Selamet; Lestari, Setyani Dwi; Muhdaliha, Eryco; David, David
Maneggio Vol. 1 No. 6 (2024): Maneggio-Dec
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/ztr7jd54

Abstract

This study investigates the role of digital technology in improving business sustainability in Indonesia's energy sector, focusing on its impact on operational performance. The study aims to investigate how the adoption of digital tools such as automation, smart grid, and data analytics can help improve energy efficiency, reduce operational costs, and promote sustainable business practices. The study takes a quantitative approach and uses SPSS for data analysis to assess the impact of digital technologies on energy companies' operational performance and sustainability. The results show that there is a significant positive correlation between the adoption of digital technologies and both operational performance and business sustainability. These findings suggest that the integration of digital tools can lead to more efficient energy management, reduced costs, and improved sustainability practices in the energy sector. The study provides valuable insights for energy companies and policymakers, offering practical recommendations to aid in the adoption of digital technologies and further promote sustainability efforts in Indonesia's energy industry.
The Influence of Digital Leadership on Employee Performance with Digital Culture as A Moderating Variable Nugroho, Heru; Riyadi, Selamet; Mudjijah, Slamet; Maulana, Panca; Safitra, Ravindra
Maneggio Vol. 1 No. 6 (2024): Maneggio-Dec
Publisher : Pt. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/jt6pfc66

Abstract

This study examines the influence of digital leadership on employee performance with digital culture as a moderating variable. In today’s rapidly evolving digital landscape, organizations require leaders who can navigate technological changes and foster a culture that supports innovation and collaboration. The primary aim of this research is to assess how digital leadership impacts employee performance and to explore the role of digital culture in enhancing this relationship. Using a quantitative research method, a survey was conducted with 200 respondents from various industries. Data were analyzed using multiple regression analysis to evaluate the relationships between digital leadership, digital culture, and employee performance. The findings reveal that digital leadership has a significant positive effect on employee performance, and that digital culture moderates this relationship by enhancing the effects of leadership on performance. These results highlight the importance of both digital leadership and digital culture in improving organizational performance in the digital era.
Implementation of Pricing Strategies to Increase Sales in The Digitalization Era Faiqoh, Dina Nadiyah; Riyadi, Selamet; Lestari, Setyani Dwi; Mudjijah, Slamet
Maneggio Vol. 1 No. 6 (2024): Maneggio-Dec
Publisher : PT. Anagata Sembagi Education

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.62872/j1y8vw67

Abstract

Pricing strategy plays an important role in marketing, influencing consumer decisions and sales volume. Methods such as penetration pricing, psychological pricing, and discount pricing are used to attract consumers' attention. Modern technologies, including data analytics and AI, enable rapid price adjustments to increase profitability and competitiveness. Pre-sales also collects important data to increase sales of new products. In the supply chain, traditional and direct channel pricing and service strategies are important for customer satisfaction. Dynamic pricing optimizes sales by adjusting prices based on consumer demand and perception. Consumer behavior analysis supports the effectiveness of pricing strategies, both cost-plus pricing for products and value-based pricing for services. In addition, price personalization strategies and money-back guarantees can increase customer trust and loyalty, especially in online markets, through real-time interactions and technology-based promotions.