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Penguatan Daya Saing Usaha Mikro Kecil Menengah Melalui E-Commerce Irsad Andriyanto
BISNIS Vol 6, No 2 (2018): BISNIS: Jurnal Bisnis dan Manajemen Islam
Publisher : Fakultas Ekonom dan Bisnis Islam Institut Agama Islam Negeri (IAIN) Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/bisnis.v6i2.4709

MSMEs have faced many challenges, especially in marketing its products, consequently the use of information technology is a necessity in the midst of rapid business changes. This study aimed to analyze the use of e-commerce in strengthening MSMEs competitiveness in terms of operations and marketing. The research took place in Kudus, a city that is pro-investment, where there are many MSMEs with various business fields. The respondents were the owners of the embroidery business in Padurenan village that was the center of the embroidery and convection industry in Kudus. They were asked about the use of e-commerce in supporting their business in terms of operation and marketing activities. Data then analyzed through qualitative technique analysis in order to conclude the research problem. As the results of the study, it’s concluded that the use of e-commerce impacted on broader marketing area, cost reduction, more relation, ease of transaction, and additional income. Besides there were some concequencies such as higher competition, plagiarism, and prone to fraud recognized as threats of the e-commerce implementation.Keywords: empowerment, competitiveness, e-commerce, threats, marketing.

ANALISIS PENGARUH INFLASI, SUKU BUNGA, DAN NILAI TUKAR TERHADAP KINERJA BANK SYARIAH BUMN (Periode 2014-2017) Umrotul Mufidhoh; Irsad Andriyanto; Haerudin Haerudin
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.4017

This study aimed to analyze empirically the effect of Inflation, Interest Rates, and Exchange Rates on the Profitability (ROA) of Sharia BUMN Banks in Indonesia for the 2014-2017 Period. The sampling technique used was purposife sampling with the criteria of Sharia State-Owned Banks in Indonesia presenting financial statements for the 2014-2017 period. Data is obtained based on the publication of the Financial Services Authority (OJK ), Bank Indonesia (BI), and the relevant banks for the 2014-2017 period. The sample of this study were 3 Sharia BUMN banks in Indonesia, namely BRISyariah, BNI Syariah and Bank Mandiri Syariah. The analysis technique used is multiple regression with the help of SPSS 21 software. The results showed that inflation, interest rates, and exchange rates did not have a significant effect on ROA. Nevertheless, anticipatory steps need to be prepared so as not to cause problems in the future.Keywords: inflation, interest rate, exchange rate, profitability.

PENGARUH RASIO KESEHATAN BANK TERHADAP VOLUME PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA Irsad Andriyanto; Aprilia Inge Prastika
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4812

This research aimed to analyze the effect of financial ratios on financing successfully channeled by Sharia Commercial Banks in Indonesia in 2015- 2018. The bank's ratio is measured through CAMELS ratios (Capital, Asset Quality, Management, Earning, Liquidity, Sensitivity to Market Risk) for each aspect. Capital aspects are measured using the Capital Adequacy Ratio (CAR), asset quality (Asset Quality) is measured using Non Performing Financing (NPF), profitability (Earning) is measured using Return on Assets (ROA) and Operational Expenses to Operating Revenues (BOPO ), and liquidity (Liquidity) is measured using Financing to Deposit Ratio (FDR). The samples are 13 Sharia Commercial Banks with the observation period from January 2015 till May 2018. The data obtained through Sharia Banking Statistics (SPS) are then processed by multiple linear regression analysis. The results showed that the NPF and BOPO had a negative effect on the financing volume of sharia commercial banks, while ROA had a positive effect. In other way, the CAR and FDR have no significant effect on the financing volume of sharia commercial bank. This is because the capital is used to cover troubled financing and to maintain public trust

ANALISIS PENGARUH INFLASI, SUKU BUNGA, DAN NILAI TUKAR TERHADAP KINERJA BANK SYARIAH BUMN (Periode 2014-2017) Umrotul Mufidhoh; Irsad Andriyanto; Haerudin Haerudin
MALIA: Journal of Islamic Banking and Finance Vol 1, No 1 (2017)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v1i1.4017

This study aimed to analyze empirically the effect of Inflation, Interest Rates, and Exchange Rates on the Profitability (ROA) of Sharia BUMN Banks in Indonesia for the 2014-2017 Period. The sampling technique used was purposife sampling with the criteria of Sharia State-Owned Banks in Indonesia presenting financial statements for the 2014-2017 period. Data is obtained based on the publication of the Financial Services Authority (OJK ), Bank Indonesia (BI), and the relevant banks for the 2014-2017 period. The sample of this study were 3 Sharia BUMN banks in Indonesia, namely BRISyariah, BNI Syariah and Bank Mandiri Syariah. The analysis technique used is multiple regression with the help of SPSS 21 software. The results showed that inflation, interest rates, and exchange rates did not have a significant effect on ROA. Nevertheless, anticipatory steps need to be prepared so as not to cause problems in the future.Keywords: inflation, interest rate, exchange rate, profitability.

PENGARUH RASIO KESEHATAN BANK TERHADAP VOLUME PEMBIAYAAN BANK UMUM SYARIAH DI INDONESIA Irsad Andriyanto; Aprilia Inge Prastika
MALIA: Journal of Islamic Banking and Finance Vol 2, No 1 (2018)
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v2i1.4812

This research aimed to analyze the effect of financial ratios on financing successfully channeled by Sharia Commercial Banks in Indonesia in 2015- 2018. The bank's ratio is measured through CAMELS ratios (Capital, Asset Quality, Management, Earning, Liquidity, Sensitivity to Market Risk) for each aspect. Capital aspects are measured using the Capital Adequacy Ratio (CAR), asset quality (Asset Quality) is measured using Non Performing Financing (NPF), profitability (Earning) is measured using Return on Assets (ROA) and Operational Expenses to Operating Revenues (BOPO ), and liquidity (Liquidity) is measured using Financing to Deposit Ratio (FDR). The samples are 13 Sharia Commercial Banks with the observation period from January 2015 till May 2018. The data obtained through Sharia Banking Statistics (SPS) are then processed by multiple linear regression analysis. The results showed that the NPF and BOPO had a negative effect on the financing volume of sharia commercial banks, while ROA had a positive effect. In other way, the CAR and FDR have no significant effect on the financing volume of sharia commercial bank. This is because the capital is used to cover troubled financing and to maintain public trust

Deconstructive Semiotic Discourse of Profit Sharing: Derridean’s Postmodern Critical Study Bayu Tri Cahya; Irsad Andriyanto; Irma Suryani Lubis; Dian Palupi Aqim
Share: Jurnal Ekonomi dan Keuangan Islam Vol 11, No 2 (2022)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v11i2.12743

Accounting symbols are interpreted differently by researchers, which has an impact on the understanding of profit-sharing as a symbol in Islamic accounting, which is not the only truth in the Derridean constructive semiotic view. The research aims to: (a) analyze accounting practitioners' and non-accounting practitioners' interpretations of profit-sharing using Derrida's deconstructive semiotics; and (b) execute a deconstructivity semiotics-reading of the text connected to their perception of profit-sharing. This study employs a postmodern approach accompanied by a postmodern critical paradigm (particularly Jacques Derridean's philosophy) based on critical theory assumptions and ideas in order to examine social reality. This study's data analysis employs rhetorical deconstruction with Jacques Derridean philosophy as a reflection of deconstructive reading. The findings showed that deconstructive semiotics analysis captures some realities, including: (a) profit sharing as a guarantee for any profits as well as losses from the outcome of a business that two parties agreed upon; (b) profit sharing as justice, justice for each party's rights and obligations under the business cooperation agreement; (c) profit sharing as an agreement and responsibility, the type of agreement that occurs at the start of the collaboration; and (d) profit sharing as an agreement and responsibility. This study clarifies the various meanings of profit sharing as well as the significance of their reality.==============================================================================================================ABSTRAK - Pembagian Keuntungan Semiotik Dekonstruktif: Studi Kritis Postmodern Derridean. Para peneliti berbeda dalam menafsirkan simbol akuntansi, yang juga berdampak pada interpretasi bagi hasil sebagai simbol dalam akuntansi Islam yang bukan satu-satunya kebenaran dalam pandangan semiotik konstruktif Derridean. Tujuan penelitian ini adalah: (a) untuk memahami interpretasi bagi hasil oleh praktisi akuntansi dan non akuntansi dengan semiotika dekonstruktif Derrida; dan (b) melakukan pembacaan semiotika dekonstruktif tentang teks yang terkait dengan interpretasi mereka terhadap bagi hasil. Penelitian ini menggunakan pendekatan fenomenologis disertai dengan paradigma kritis postmodern (khususnya filsafat Jacques Derridean) berdasarkan asumsi dan keyakinan dari teori kritis dengan melihat realitas sosial. Analisis data dalam penelitian ini menggunakan dekonstruksi retoris dengan filosofi Jacques Derridean sebagai refleksi dari pembacaan dekonstruktif. Hasil penelitian menunjukkan bahwa analisis semiotika dekonstruktif mengungkapkan beberapa realitas yaitu; (a) bagi hasil sebagai jaminan atas setiap keuntungan maupun kerugian dari hasil usaha yang disepakati kedua belah pihak; (b) bagi hasil sebagai suatu keadilan, keadilan atas hak dan kewajiban masing-masing anggota perjanjian kerjasama usaha; (c) bagi hasil sebagai kesepakatan dan tanggung jawab, bentuk kesepakatan yang terjadi pada awal kerjasama dan tanggung jawab atas berjalannya kegiatan kerjasama usaha; dan (d) bagi hasil sebagai konsekuensinya, memberikan konsekuensi keuntungan bisnis dari setiap kebijakan bisnis. Kajian ini memberikan pemahaman tentang beragam interpretasi bagi hasil dan makna di balik realitasnya.

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