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Ecologies of green finance: Green Sukuk and development of green Infrastructure in Bekasi Regency on SWOT Analysis Mohammad Hatta Fahamsyah; Afif Mustafid Taftazani; Adrianna Syariefur Rakhmat; Muhammad Hamdan Ainul Yaqin
Enrichment : Journal of Management Vol. 13 No. 3 (2023): August: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i3.1574

Abstract

As a crucial player in promoting well-being, the Indonesian government has a vital role in fostering economic growth and infrastructure development in different cities of Indonesia. However, a significant challenge faced by the country involves striking a balance between infrastructure development and environmental conservation, in line with the principles of sustainable development goals. To tackle this issue, this study utilized a qualitative descriptive approach, focusing on the case of Bekasi Regency in West Java. Data for the research was collected through interviews with officials from the Bekasi Regency Government, as well as through document analysis and literature review. The analysis primarily revolved around a SWOT analysis. The research findings indicate that Bekasi Regency possesses favorable geographical advantages, regulations, and legal frameworks that enable the issuance of sukuk (Islamic bonds) and support green infrastructure development through financing from green sukuk. However, the current situation reveals a lack of green infrastructure development in Bekasi Regency financed by sukuk or green sukuk. Most of the existing green infrastructure projects in the city are initiated by various ministries rather than being led by Bekasi Regency itself.
A Comparative Analysis of Banking’s Financial Performance before and after using E-Money Preatmi Nurastuti; Adrianna Syariefur Rahman
Proceeding International Pelita Bangsa Vol. 1 No. 01 (2023): September 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37366/pipb.v1i01.3087

Abstract

This study aims to determine the comparison of the financial performance of PT. Bank Mandiri (Persero) Tbk before and after issuing e-money. By using a research period of 3 years before and 3 years after issuing e-money. Financial performance is measured by profitability ratios as seen from the Return On Assets (ROA), Return On Equity (ROE), and BOPO ratios. This research is a quantitative research. The data used in this study is secondary data, namely the financial statements of PT. Bank Mandiri (Persero) Tbk. The subject of this research is PT. Bank Mandiri (Persero) Tbk which issues e-money. Data analysis used paired sample t-test analysis. The results of this study indicate that there are significant differences in the ratios of ROA, ROE, and BOPO before and after issuing e-money
Analisis Dana Pihak Ketiga (DPK), Risiko Dan Fee Based Income (FBI) Terhadap Pembiayaan Bagi Hasil Pada Bank Umum Syariah Muhammad Hamdan Ainulyaqin; AS Rakhmat; Sarwo Edy; Siti Maharani
Indonesian Journal of Islamic Economics and Business Vol. 8 No. 1 (2023): Indonesian Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN STS Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/ijoieb.v8i1.1875

Abstract

This study aims to determine the effect of Third Party Funds (TPF), risk and Fee Based Income (FBI) on Profit Sharing Financing at Islamic Commercial Banks for the period 2013-2020. In this study using quantitative methods, the data collection technique used is Non Probity Sampling. The subjects in this study were Islamic Commercial Banks with a total sample of 96 financial statements. The data analysis technique used is the Classical Assumption Test and Multiple Regression Test using the help of the IBM SPPS Statistic 21 application. The results of this study indicate that partially the TPF variable has no effect on profit sharing financing, then for the risk variable measured using the NPF (Non Performing Financing) ratio. has a negative and significant effect on profit-sharing financing, and lastly, the Fee-based Income (FBI) variable has a negative and significant effect on profit-sharing financing.
Integrating Banking Fundamental Factors with Financial Technologies in Increasing Banking Performance Rakhmat, Adrianna Syariefur; Mohammad Hatta Fahamsyah; Preatmi Nurastuti; Muhammad Hamdan Ainulyaqin
Ilomata International Journal of Management Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Sinergi Kawula Muda

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v5i1.1054

Abstract

The existence of innovation involving the adoption of technology in banking has boosted financial performance, where banks get sizable benefits. The use of technology in financial services or known as fintech not only produces new products and models in financial services, but has created solutions. This research is a quantitative research with secondary data sourced from the Financial Services Authority and Bank Indonesia from April 2020 to April 2023. The object of this research is all banks in Indonesia whose data has been aggregated. The variables used in the research are fintech as the independent variable, and banking profitability as the dependent variable, then adding banking fundamentals as a control variable . Meanwhile the analysis technique to be used is Ordinary Least Square (OLS). Fintech can optimize its role in supervising customers which can have an impact on minimizing non-performing loans so that it can increase profitability. The next thing is that even though costs increase it can actually increase profitability. The role of fintech in this case is that although the adoption of fintech will increase costs, profitability will also increase. The level of financing represented by LDR can be maximized in percentage in order to increase profitability.
Risk and Profitability of Islamic Banking in Indonesia : Granger Causality Test Rakhmat, Adrianna Syariefur; Nurastuti, Preatmi; Fahamsyah, Mohammad Hatta
Proceeding International Pelita Bangsa Vol. 1 No. 01 (2023): September 2023
Publisher : DPPM Universitas Pelita Bangsa

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research discusses the two-way relationship between financing risk and profitability in Islamic banks. This research is a quantitative study. The data used is secondary data sourced from the Financial Services Authority regarding Islamic Bank Financing Risk or Non-Performing Financing (NPF) and Islamic Bank Profitability or Return on Assets (ROA) in June 2014-June 2023. This research tests the two-way relationship between NPF and ROA using the Granger Causality Test. This research finds that there is only a one-way relationship between ROA and NPF.
Integrating Banking Fundamental Factors with Financial Technologies in Increasing Banking Performance Rakhmat, Adrianna Syariefur; Mohammad Hatta Fahamsyah; Preatmi Nurastuti; Muhammad Hamdan Ainulyaqin
Ilomata International Journal of Management Vol. 5 No. 1 (2024): January 2024
Publisher : Yayasan Ilomata

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52728/ijjm.v5i1.1054

Abstract

The existence of innovation involving the adoption of technology in banking has boosted financial performance, where banks get sizable benefits. The use of technology in financial services or known as fintech not only produces new products and models in financial services, but has created solutions. This research is a quantitative research with secondary data sourced from the Financial Services Authority and Bank Indonesia from April 2020 to April 2023. The object of this research is all banks in Indonesia whose data has been aggregated. The variables used in the research are fintech as the independent variable, and banking profitability as the dependent variable, then adding banking fundamentals as a control variable . Meanwhile the analysis technique to be used is Ordinary Least Square (OLS). Fintech can optimize its role in supervising customers which can have an impact on minimizing non-performing loans so that it can increase profitability. The next thing is that even though costs increase it can actually increase profitability. The role of fintech in this case is that although the adoption of fintech will increase costs, profitability will also increase. The level of financing represented by LDR can be maximized in percentage in order to increase profitability.
Sosialisasi Literasi Keuangan Guru Madrasah Adrianna Syariefur Rakhmat; Muhammad Hamdan Ainulyaqin; Indra Permana; Riski Eko Ardianto
VIDHEAS: Jurnal Nasional Abdimas Multidisiplin Vol. 2 No. 2 (2024): Desember 2024
Publisher : VINICHO MEDIA PUBLISINDO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61946/vidheas.v2i2.91

Abstract

Literasi Keuangan memiliki tujuan jangka panjang bagi seluruh golongan masyarakat, yaitu merupakan bentuk investasi jangka panjang yang bermanfaat dalam mengelola dan menjaga kondisi keuangan agar tetap terjaga atau stabil serta meningkatkan jumlah pengguna produk dan layanan jasa keuangan. Kegiatan ini dilakukan dengan menggunakan metode sosialisasi. Dalam kegiatan pengabdian ini, kami memberikan gambaran produk keuangan syariah diantaranya saham syariah, reksadana syariah, dan obligasi syariah. Kami juga menekankan bahwa imbal hasil produk keuangan syariah ini adalah merupakan tolak ukur rasionalitas sebuah investasi. Apabila imbal hasilnya jauh lebih tinggi dibandingkan imbal hasil produk produk ini, maka investasi tersebut tidak masuk akal dan patut dicurigai sebagai investasi bodong.
Development of Managerial Skills for Cooperation Managers: Training and Mentoring Fahamsyah, Mohammad Hatta; Rakhmat, Adriana Syariefur; Yaqin, Hamdan Ainul
Jurnal Pengabdian Masyarakat Bestari Vol. 3 No. 12 (2024): December 2024
Publisher : PT FORMOSA CENDEKIA GLOBAL

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55927/jpmb.v3i12.12448

Abstract

This community service program aimed at enhancing managerial competencies was conducted at Koperasi Simprug Garden through a combination of training and mentoring. The program focused on improving key areas such as leadership, financial planning, and member engagement strategies. A needs assessment identified gaps in these areas, and customized training modules were developed to address them. Over two months, 20 cooperation managers participated in interactive workshops and one-on-one mentoring sessions. The results demonstrated significant improvements in participants' knowledge and skills, with 85% of participants enhancing their understanding of financial reporting and 70% applying new leadership strategies in their roles. Additionally, member satisfaction increased by 15% within three months post-training.
Analisis Camel Pada Bank Syariah dan Dampaknya Terhadap Risiko Kredit Rakhmat, Adrianna Syariefur; Fahamsyah, Mohammad Hatta; Nurastuti, Preatmi; Ainulyaqin, Muhammad Hamdan
Jurnal Ilmiah Ekonomi Islam Vol 10, No 3 (2024): JIEI : Vol.10, No.3, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i3.15429

Abstract

This research aims to analyze the influence of ROA, NPF, NPM, BOPO and FDR on CAR. The sample used in this research used 60 data. The analytical tools used were Classic assumption test, multiple linear regression, t test, F test and determinant coefficient. The research results show that partially the variable Return on Assets (ROA) has a positive and significant effect on the Capital Adequation Ratio (CAR) and the Financing to Deposit Ratio (FDR) has a positive and insignificant effect on the Capital Adequation Ratio (CAR). Meanwhile, Non-Performing Financial (NPF), Net Profit Margin (NPM) and Operating Costs/Operating Income (BOPO) have a negative and significant effect on the Capital Adequation Ratio (CAR). Simultaneously, the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have a significant positive effect on the Capital Adequation Ratio (CAR ). The determinant coefficient r square value of 0.571 means that the variables Return on Assets (ROA), Non-Performing Financing (NPF), Net Profit Margin (NPM), Operational Costs/Operational Income (BOPO), and Financing to Deposit Ratio (FDR) have an impact on The Capital Adequation Ratio (CAR) is 57.1% and there are still other variables remaining at 42.9%
Profit-Loss Sharing in Islamic Banking: Global Insights from a Systematic Review Fahamsyah, Mohammad Hatta; Laila, Nisful; Rakhmat, Adrianna Syariefur; Shabbir, Malik Shahzad
Economica: Jurnal Ekonomi Islam Vol. 14 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Islam UIN Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/economica.2023.14.2.26021

Abstract

Islamic banking emerged as a response to the limitations of interest-based financial systems, offering alternative models rooted in Shariah principles—chief among them the profit-and-loss sharing (PLS) mechanism. This study re-examines the implementation of PLS in Islamic banks, identifying key challenges and outlining directions for future research within the framework of Shariah-compliant financial practices. Employing a systematic literature review of Scopus-indexed journal articles, the study compares theoretical foundations and empirical evidence surrounding PLS applications in contemporary Islamic banking. Findings indicate that PLS practices remain only partially aligned with Shariah principles, constrained by insufficient regulatory oversight, heightened credit risk, and moral hazard concerns. The study also identifies critical gaps in community awareness and operational management, underscoring the need for product innovation, stronger governance structures, and targeted educational initiatives. These insights point to three strategic priorities for stakeholders: enhancing governance to mitigate moral hazards, integrating macroeconomic policy support to improve PLS scalability, and expanding public education to close knowledge gaps. Together, these measures can support a more sustainable, equitable, and competitive Islamic banking sector.