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All Journal I-Finance Journal International Journal of Islamic Business and Economics (IJIBEC) Enrichment : Journal of Management Jurnal Pemberdayaan Masyarakat Jurnal Al-Fatih Global Mulia International Journal of Islamic Business and Economics (IJIBEC) Madania: Jurnal Kajian Keislaman Maaliyah
Supriyono Supriyono
Faculty Economy And Business UIN Syarif Hidayatullah Jakarta
Religion Humanities Economics, Econometrics & Finance Education Environmental Science Law, Crime, Criminology & Criminal Justice Social Sciences

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EFFICIENCY PERFORMANCE ANALYSIS OF PANIN DUBAI SYARIAH BANK IN COLLECTING AND DISTRIBUTING THIRD PARTY FUNDS BEFORE AND AFTER MERGER Supriyono Supriyono; Ahmad Rodoni; Yacop Suparno; Hermadi Hermadi; Hilyatun nafisah
I-Finance Journal Vol 5 No 1 (2019): I-FINANCE: a Research Journal on Islamic Finance
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Raden Fatah Palembang, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19109/ifinance.v5i1.3716

Abstract

In this study, the researcher would make Panin Dubai Syariah Bank was the object of research on Islamic banks that carry out mergers and acquisitions. This research by using quarterly financial reports to determine the level of efficiency of the Panin Dubai Syariah Bank to be analyzed using the Data Envelopment Analysis (DEA) method. The researcher was used the annual report to find out the extent the Panin Dubai Syariah Bank carries out its Shariah values and objectives to be analyzed based on the Maqashid Index Sharia. The frontier approach can be divided into parametric approaches and non-parametric approaches. The parametric approach takes measurements using stochastic econometrics and seeks to eliminate interference from the effects of inefficiency. While the non-parametric approach with linear programs ( non-parametric linear programming approach ) performs non-parametric measurements using an approach is not stochastic and tends to combine the interference into inefficiency. This is based on the discovery and observation of the population and evaluates efficiency relative to the units observed. In the non- parametric method, the approaches that can be used are Data Envelopment Analysis (DEA) and Free Disposal Hull (FDH). The results of the measurement of Bank Panin Dubai Syariah using DEA indicate that the decision to merge carried out by Panin Syariah Bank with Dubai Islamic Bank was the right decision because, with the merger, Panin Dubai Syariah Bank could produce almost perfect efficiency value of 99% in the year 2015. With doing the merger, Bank Panin Dubai Syariah can minimize the inefficiencies that occur in the input variable so that it can maximize the efficiency that occurs in the output variable
Analysis of The Effect of Macroeconomics On Net Assets Value (NAV) of Sharia Mutual Funds In Indonesia Hilyatun Nafisah; Supriyono Supriyono
International Journal of Islamic Business and Economics (IJIBEC) Vol. 4 No. 1 (2020): IJIBEC VOL. 4 NO. 1 JUNE 2020
Publisher : Faculty of Islamic Economics and Business of UIN K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v4i1.1527

Abstract

Net Asset Value (NAV) is a measure of investment performance for sharia mutual funds derived from the entire value of the mutual fund portfolio fewer liabilities. This research aims to analyze the effect of the rupiah exchange rate, inflation, Jakarta Islamic Index (JII) and Bank Indonesia Sharia Certificate (SBIS) on Net Asset Value (NAV) of Sharia Mutual Funds. The object in this research consisted of 5 companies registered with the Financial Services Authority (OJK) from 2012-2019. Panel data regression analysis was used to test the hypothesis in this study. A random effect is used to determine the differences in the effect. The result of this study concluded that rupiah exchange rate, inflation and JII and SBIS effect on NAV of sharia mutual funds simultaneously. Partially, an unstable rupiah exchange rate is considered to have an impact on the company's production factors and affect the validity of the stock price; This causes investments no longer be attractive to investors, thereby reducing the value of investments that have an impact on the declining mutual fund NAV. Inflation decreases the real income of people with fixed income will also reduce the value of wealth in the form of money so that people will prefer to invest their money in the form of real assets that will result in reduced investment in the financial and capital markets and lower the NAV value of Islamic Mutual Funds. JII describes the performance of stocks which are one of the portfolios of sharia mutual funds. If the JII index value rises, then the increase in the portfolio of sharia mutual funds that share type will also rise which will have an impact on the increase in the nett asset value of sharia mutual funds. SBIS does not affect the Sharia Mutual Funds NAV. The relationship between SBIS and the Sharia Mutual Fund NAV as well as the relationship between interest rates and stock prices is negative or in the opposite direction. If interest rates rise at an adequate level, investors will try to move their investments from stocks to deposits.
The The impact of credit relaxation policies on sustainability performance of MSMEs Lili Supriyadi; Supriyono; Hanifah Rizqy Arian
Enrichment : Journal of Management Vol. 13 No. 1 (2023): April: Management Science And Field
Publisher : Institute of Computer Science (IOCS)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35335/enrichment.v13i1.1253

Abstract

This research should explore the mechanisms through which credit relaxation policies influence sustainability performance and the conditions under which these policies are most effective during the pandemic covid-19, the most crisis MSMEs are Facing. This research is very urgent for elevate government policy with continuous improvement, especially for credit relxation policy. This research focuses on the impact of credit relaxation policies on the sustainability performance of MSMEs. Data analysis of 123 respondents was conducted using smart-PLS03 software. Research results show that the cost relaxation program, directly and indirectly, affects SMEs'SMEs' sustainability performance. Furthermore, various relaxation programs significantly affect SMEs' sustainability performance and have the highest contribution. The finding of the credit relaxation policy positively influences the sustainability performance of MSMEs in Indonesia, especially in the Jabodetabek area. This means that the better the credit relaxation policy set by the government during the pandemic, the more sustainable performance of MSMEs, especially in Indonesia, can be encouraged.
Sharia Compliance and Islamic Digital Banking: Empowering SMEs in Indonesia Supriyono, Supriyono; Terminanto, Ade Ananto; Mulazid, Ade Sofyan; Suherlan, Ade
International Journal of Islamic Business and Economics (IJIBEC) Vol 8 No 2 (2024): Volume 8 Nomor 2 Tahun 2024
Publisher : Universitas Islam Negeri K.H. Abdurrahman Wahid Pekalongan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.28918/ijibec.v8i2.8724

Abstract

This study investigates how Sharia compliance and trust shape SMEs' adoption behavior using an extended Unified Theory of Acceptance and Use of Technology (UTAUT 3) framework. The rapid digital transformation of the banking sector necessitates deeper insights into the factors driving the adoption of Islamic digital banking, particularly among Small and Medium Enterprises (SMEs) in Indonesia. Through a quantitative approach employing an online survey of 129 SME respondents, data were analyzed using Partial Least Squares Structural Equation Modeling (PLS-SEM). Findings reveal that Sharia compliance significantly influences actual usage but does not moderate the relationship between behavioral intention and adoption. Trust and personal innovation emerge as key determinants of SMEs' adoption, while facilitating conditions, hedonic motivation, and price value demonstrate negligible effects. These insights underscore the necessity for Islamic banks to effectively integrate Sharia principles into their digital banking services to foster greater trust and engagement among SMEs. This study contributes to the literature by expanding the UTAUT 3 framework within Islamic finance and digital banking contexts, offering practical recommendations for Islamic financial institutions to enhance service accessibility and customer trust. Future research should examine longitudinal trends and explore a broader demographic and institutional spectrum to validate these findings and assess the evolving landscape of Islamic digital banking.
The Influence of Early Motivation to Become a Customer on the Satisfaction of Sharia Bank Depositors in DKI Jakarta Supriyono
Maaliyah: Journal of Islamic Economic Law and Islamic Finance Vol. 1 No. 1 (2025): Maaliyah: Journal of Islamic Economic Law and Islamic Finance
Publisher : Universitas Darunnajah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61159/maaliyah.v1i1.533

Abstract

The purpose of the research is to find out the difference in customer satisfaction levels of saving customers reviewed from the beginning of bank account opening, termed 'Voluntary Customer' or 'Forced Customer'. This research is a field study with the population of Saving Customers in Sharia Bank operating in the Special Region of Jakarta. The number of samples that met the requirements was 394 consist of 'Voluntary Customer' as many as 247 respondents and 'Forced Customer' as many as 147 respondents. The questionnaire was set in five points Likert scales. Validity Test using Product Moment Correlation and Reliability Test using Chronbah Alpha. The results of the study are as follows: Customer satisfaction of Sharia Bank is still very low. There is a significant difference between the satisfaction of 'Voluntary Customer' and 'Forced Customer'. There is a significant difference between the satisfaction of 'Voluntary Customers who know the contract' and 'Forced Customers who do not know the contract'. There is no significant difference between the satisfaction of 'Voluntary Customer who knows the contract' and 'Voluntary Customer who does not know the contract'. There is no significant difference between the satisfaction of 'Forced Customer who knows the contract' and 'Forced Customer who does not know the contract'. There is no significant difference between the satisfaction of 'Voluntary Customers who do not know the contract' and the 'Forced Customer who knows the contract'.
The Role of the Constitutional Court in Addressing Centralization Allegations: A Syariah Economic Perspective on Baznas' Contribution to Indonesia's Unified Economic System Yudi Permana; Ade Sofyan Mulazid; Athia Nur Kamilah; Yoghi Citra Pratama; Muhammad Iman Kurniawan; Miftah Hur Rahman Zh; Supriyono Supriyono
Jurnal Pemberdayaan Masyarakat Vol 4, No 4 (2025)
Publisher : Yayasan Keluarga Guru Mandiri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46843/jpm.v4i4.639

Abstract

This study provides a comprehensive analysis of the Constitutional Court's role in institutionalizing a centralized governance model for the National Board of Zakat (BAZNAS) and its systemic implications for Indonesia's economic framework from a Shariah economics perspective. By synthesizing extant literature, it elucidates the legal, operational, and philosophical dynamics underpinning BAZNAS’s evolving mandate. Conducted as a Systematic Literature Review (SLR) in accordance with the PRISMA protocol, systematic searches across Scopus and the Watase Uake System identified 95 articles for in-depth thematic analysis. The findings reveal that the centralization of BAZNAS, legitimized by the Constitutional Court’s ruling, establishes a fundamental tension between national administrative efficiency and local philanthropic autonomy. The analysis confirms BAZNAS’s strategic role not only in zakat distribution but also in advancing national objectives of sustainable development and financial inclusion. However, significant governance challenges, particularly regarding transparency and accountability, persistently surface. The research makes a threefold contribution: First, it identifies a critical methodological gap, demonstrating that dominant quantitative approaches have insufficiently captured the qualitative and contextual dynamics behind operational shortcomings. Second, it surfaces underexplored thematic frontiers, notably those of digitalization, technological integration, and BAZNAS’s potential role in global challenges such as climate change. Third, it proposes a structured agenda for future inquiry and practice. The conclusions emphasize the necessity for methodological diversification, comparative international analysis, and deeper investigation into the distributive impacts of centralization and the transformative potential of technology. Practical implications focus on strengthening governance through mechanisms such as blockchain, fostering inter-institutional collaboration, and advocating for more integrative zakat-sector policies. Future research should prioritize rigorous qualitative studies, comparative models, and examinations of BAZNAS’s role in emerging areas such as green finance and the digitalization of Islamic social finance.
Behavioral Intentions of Online Zakat Users in Indonesia: An Extended TAM with Trust and Security Supriyono Supriyono; Lili Supriyadi; Yunia Silvia Sesunan; Ela Patriana
Madania: Jurnal Kajian Keislaman Vol 30, No 1 (2026): JUNE
Publisher : Universitas Islam Negeri (UIN) Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/madania.v30i1.11150

Abstract

Digital religious philanthropy in Indonesia has expanded the use of online zakat platforms, yet the determinants of user behaviour remain unclear. This study extends the Technology Acceptance Model (TAM) with trust and security to examine the behavioural intention and actual use of online zakat services. Data were collected from an exploratory sample of 120 Indonesian users recruited through purposive sampling and analysed with Partial Least Squares Structural Equation Modelling (PLS-SEM). Perceived usefulness and perceived security significantly predict behavioural intention, which in turn predicts actual use; perceived ease of use shows an unexpected negative association, while trust is not significant at conventional levels. The model explains 38.2 per cent of the variance in behavioural intention. Because the sample is small and urban-skewed, the results are exploratory and not nationally generalisable. The study contributes a religiously contextualised extension of TAM and a practical ordering of priorities for zakat institutions. Digitalisasi filantropi keagamaan di Indonesia memperluas penggunaan layanan zakat daring, namun determinan perilaku penggunanya belum sepenuhnya jelas. Studi ini memodifikasi Technology Acceptance Model (TAM) dengan menambahkan variabel kepercayaan (trust) dan keamanan (security) untuk mengkaji intensi perilaku dan penggunaan aktual layanan zakat daring. Data dikumpulkan dari sampel eksploratif 120 pengguna di Indonesia yang dipilih secara purposif dan dianalisis dengan Partial Least Squares Structural Equation Modeling (PLS-SEM). Persepsi kegunaan dan keamanan berpengaruh signifikan terhadap intensi perilaku, dan intensi perilaku selanjutnya memprediksi penggunaan aktual; persepsi kemudahan berpengaruh negatif yang tidak terduga, sementara kepercayaan tidak signifikan pada taraf konvensional. Model menjelaskan 38,2 persen varians intensi perilaku. Karena sampel berukuran kecil dan terkonsentrasi di perkotaan, temuan bersifat eksploratif dan tidak dapat digeneralisasi secara nasional. Studi ini menyumbang perluasan TAM yang terkontekstualisasi secara keagamaan serta prioritas praktis bagi lembaga zakat.
Unlocking Success: How Work-Life Balance and Physical Environment Shape Employee Performance and Job Satisfaction at PT. Pos Indonesia (Persero) Hemmy Fauzan; Nayla Nur Fatimah Syarif; Suhendra Suhendra; Bahrul Yaman; Supriyono Supriyono
Jurnal Al-fatih Global Mulia Vol. 7 No. 2 (2025): Jurnal Al-Fatih Global Mulia
Publisher : STEBI Global Mulia Cikarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.59729/alfatih.v7i1.128

Abstract

His study analyses the effect of work-life balance and physical work environment on employee performance, with job satisfaction as an intervening variable at PT POS Indonesia. This study uses primary and secondary data and is analysed by path analysis using IBM SPSS 26. The sampling technique used is non-probability sampling with the saturation method, where 42 statements were distributed via Google Forms to 148 respondents. The results showed that work-life balance has a direct effect on job satisfaction, as well as the physical work environment which also has a significant impact on job satisfaction. In addition, work-life balance and physical work environment simultaneously affect job satisfaction. Work-life balance and physical work environment each have a direct impact on employee performance. Job satisfaction also plays a role in improving employee performance. Overall, work-life balance, physical work environment, and job satisfaction simultaneously affect employee performance. Sobel test results confirm that job satisfaction can moderate the relationship between work-life balance and physical work environment on employee performance.  
Co-Authors Ade Sofyan Mulazid Ade Suherlan, Ade Ahmad Rodoni Athia Nur Kamilah Bahrul Yaman Ela Patriana Hanifah Rizqy Arian Hemmy Fauzan Hermadi Hermadi Hilyatun Nafisah Hilyatun nafisah Lili Supriyadi Lili Supriyadi Miftah Hur Rahman Zh Muhammad Iman Kurniawan Nayla Nur Fatimah Syarif Suhendra Suhendra Terminanto, Ade Ananto Yacop Suparno Yoghi Citra Pratama Yudi Permana Yunia Silvia Sesunan