Garuda - Garba Rujukan Digital

p-Index From 2021 - 2026

1.789

P-Index

This Author published in this journals

All Journal I-Finance Journal Jurnal Ilmiah Ekonomi Islam Tazkia Islamic Finance and Business Review al-Uqud : Journal of Islamic Economics ILTIZAM Journal of Sharia Economic Research Indonesian Journal of Economics Application (IJEA) Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Jurnal Inovasi Global Journal of Innovative and Creativity IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita

Saiful Anwar

Institut Teknologi Dan Bisnis Ahmad Dahlan Jakarta

Author-ID : 2880539

Agriculture, Biological Sciences & Forestry Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Engineering Industrial & Manufacturing Engineering Languange, Linguistic, Communication & Media Mathematics Public Health Social Sciences Other

Published : 13 Documents Claim Missing Document

Claim Missing Document

Articles

1 2

COMPARISON OF SHARIA AND CONVENTIONAL BANKING BANKRUPTCY RATES IN INDONESIA Ulumuddin Nurul Fakhri; Saiful Anwar; Rifki Ismal; Ascarya .
Tazkia Islamic Finance and Business Review Vol. 13 No. 2 (2019)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v13i2.193

The purpose of this study is to determine the position of financial performance, the position of bankruptcy rates of Islamic banking, as well as compare it with conventional banking. This study also compares the accuracy of the bankruptcy predictions of the Islamic banks versus conventional banks using the Altman Z-Score method with the calculation of the financial services authority (OJK). This research will be very useful to provide early warning to Islamic banking in managing the company so that the company management can create some innovations in order to develop the company, avoid bankruptcy. The analysis of this research using some methods. First, the method of Approach Regulation of the Financial Services Authority no. No. 8 / POJK.03 / 2014 which refers to Central Bank of Indonesia regulation no. 9/1 / PBI / 2007 to know the position of financial performance. Second, the Altman Z-Score model to find out the bankruptcy positions of sharia and conventional banking. This study provides the finding of the position of the financial performance level and the position of bankruptcy level of sharia and conventional banking. The conclusion of this research is the performance of sharia banking is not better than conventional banking financial performance, because the position of Islamic banking performance level is ranked 3, while conventional banking is ranked 1. The risk of bankruptcy of sharia bank CBGB 2 is in the position of the gray zone, while conventional banking CBGB 2 is in the safe zone. These results prove that both Altman Z-Score method and the method of Approach Regulation of the Financial Services Authority can provide the same prediction result.

REAKSI PASAR ATAS PENGUNGKAPAN KEPATUHAN SYARIAH TERHADAP SAHAM PERUSAHAAN PADA INDEKS SAHAM SYARIAH INDONESIA ellysa kurniati; Sigid Eko Pramono; Saiful Anwar
I-Finance Journal Vol 7 No 2 (2021): 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.v7i2.9722

Penelitian ini bertujuan untuk mengetahui reaksi pasar atas informasi kepatuhan syariah diperoleh melalui pengumuman perubahan komposisi saham dalam penghitungan Indeks Saham Syariah Indonesia tanggal sejak tahun 2011 hingga tahun 2019 terhadap emiten yang memenuhi dan tidak memenuhi aspek kepatuhan syariah. Informasi kepatuhan syariah ini. Dengan menggunakan metodologi event study (studi peristiwa), penelitian ini menunjukkan bahwa sekitar 86% atau 12 dari 14 pengujian reaksi pasar atas pengungkapan kepatuhan syariah pada pengumuman perubahan komposisi saham dalam penghitungan ISSI, yang artinya terdapat reaksi pasar yang positif terhadap saham perusahaan yang patuh syariah sebesar 86% dari seluruh pengujian yang tersedia. Masuknya perusahaan ke dalam Indeks Saham Syariah Indonesia dianggap sebagai sinyal positif oleh para investor, terutama bagi investor ritel dan manajer investasi yang mengkhususkan diri atau hanya fokus untuk menyalurkan dananya pada produk yang memenuhi aspek syariah saja. Sinyal positif ini kemudian disikapi dengan melakukan pembelian atas saham-saham patuh syariah tersebut. Kata Kunci: pengumuman ISSI, kepatuhan syariah, reaksi pasar

COMPARISON AND PREDICTING FINANCIAL PERFORMANCE OF ISLAMIC AND CONVENTIONAL BANKS IN INDONESIA TO ACHIEVE GROWTH SUSTAINABILITY Ulumuddin Nurul Fakhri; Saiful Anwar; Rifki Ismal; Ascarya Ascarya
al-Uqud : Journal of Islamic Economics Vol. 3 No. 2 (2019): July
Publisher : Universitas Negeri Surabaya

Islamic banking fall on stagnation of financial performance in 2011 after successfully overcoming the financial crisis in 1998 and 2008, as though the Islamic banking sector had only run in place and had no clear purpose in developing the Islamic finance business. The purpose of this study is to clarify the variables that predispose financial performance, as well as predict the decrease and increase of financial performance. This study uses an Artificial Neural Network (ANN) model to find out the variables that affect financial performance and predict the decrease and increase of financial performance of sharia and conventional banking for the next five months. This research generates the variables which affect the financial performance of sharia banking and the prediction of financial performance over the next five months. The variables which affect the level of financial performance of sharia banking affected dominantly by inflation, although the results of conventional banking are the same but not too significant. This shows that sharia banking CBGB (Commercial Bank Group of Business) 2 is very vulnerable with macroeconomic factors compared with conventional banking. ANN predictions produce an average of 80% success in predicting performance over the next five months.

Pengaruh Tingkat Suku Bunga, Tingkat Bagi Hasil, Financing To Deposit Ratio, dan Pembiayaan Mudharabah di Bank Umum Syariah Lisa Hanifah; Saiful Anwar
Indonesian Journal of Economics Application (IJEA) Vol 2 No 1 (2020)
Publisher : ITB Ahmad Dahlan Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32546/ijea.v2i1.258

This study aims to determine the analysis of the influence of the Interest Rate, Profit Sharing Rate, and Financing to Deposit Ratio on Mudharabah Financing at Islamic Commercial Banks in Indonesia. The problem is still low Distribution of mudharabah financing, and financing in Islamic banks dominated by Murabaha financing is a global phenomenon. Mudharabah financing should be the main product in Islamic banks. This type of research is a quantitative descriptive. The population of this study is all Sharia Commercial Bank financial reports in Indonesia, and the sample of this study is the annual financial report (annual report) of Sharia Commercial Bank as many as 33 samples with a sampling technique using a purposive sampling method. Analysis of the data used is multiple linear regression analysis. The results of the study indicate that the interest rate variable does not affect mudharabah financing, evidenced by t count of -0.233 <t table of 2.042 and a probability value of (0.517> 0.05). The level of profit-sharing has a positive and significant effect on Mudharabah Financing can be proven (t count 3.437> t table 2.042); the significance is less than 0.05 (0.002 <0.05). Financing to Deposit Ratio affects mudharabah financing can be proven (t count -2.498> t table 2.042), the significance is less than 0.05 (0.018 <0.05).

The Analysis of Factors Influencing Customer in Choosing Financial Service Product at Sharia Multifinance Deni Nasri; Mukhamad Najib; Eng Saiful Anwar
ILTIZAM Journal of Shariah Economics Research Vol. 4 No. 2 (2020): Iltizam Journal of Shariah Economic Research
Publisher : Islamic Economics Department, Faculty of Islamic Economics and Business, UIN SULTHAN THAHA SAIFUDDIN JAMBI

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/iltizam.v4i2.592

In recent years consumer behaviour plays an important role on influencing customers' preferences to use a financing service. Contemporary consumers are becoming more selective in their choices, as they are more well-informed of a particular product or service. This research investigates the decision-making process which influence customers in choosing a financing service, by analysing the influence of religiosity, TPB (attitude towards behavior, subjective norm, perceived behavioral control), and product attribute that drives customers' intent in choosing financial services in sharia multifinance. To address this notion, we collected sample feedback from 160 respondents, who are active customers of Unit Usaha Syariah (UUS) multifinance ABC. The methododology used in this research is Structural Equation Modeling-Partial Least Square (SEM-PLS). The result shows that factors such as religiosity, attitude towards behavior, subjective norms and product attribute affect consumers' intention in purchasing a financing service. On the other hand, perceived behavioral control has no significant influence on consumers' decision-making. Therefore, it is imperative for those involved in the sharia multifinance industry to gain more insight in order to perceive market opportunities based on consumer behavior by developing suitable marketing strategies in order to capture their interest to opt for financing services in sharia multifinance. Keywords: Consumer behaviour, religiosity, TPB, attribute product, sharia multifinance

The Implementation Of Murabahah Financing Contracts In Bank Syariah Indonesia Supriyandi Supriyandi; Saiful Anwar
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10811

One of the Bank Syariah Indonesia branches, Bank Syariah Indonesia Parepare, engages in buying, selling, and profit-sharing financing activities (Murabahah and Musyarakah). In order to implement Murabahah contracts in Bank Syariah Indonesia Parepare, provisions and norms must be understood and identified. Because the lending institution offers a commercial product, sharia financing via a Murabahah contract, this research was carried out at Bank Syariah Indonesia Parepare. The methodology employed in this study is a qualitative strategy that involves making direct observations, gathering numerous documents, and holding meetings with Bank Syariah Indonesia Parepare officials, workers, and customers to be interviewed. Data reduction, presentation, and conclusion-drawing processes were used to analyze research data in stages. The findings of this study indicated that there is still a lack of consistency from the government and banks in socializing and making policies related to the existence of Bank Syariah Indonesia, a lack of public awareness of the existence of Bank Syariah Indonesia as a result of a lack of knowledge about sharia financing, as well as a lack of knowledge and understanding of sharia bank officers regarding the mechanisms and provisions of Islamic financial institutions.

Stability Analysis Of Islamic Banking: Indonesia, Malaysia And Pakistan Luqmanulhakim Luqmanulhakim; Ronald Rulindo; Saiful Anwar
IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita Vol 10 No 1 (2021): IQTISHADUNA: Jurnal Ilmiah Ekonomi Kita - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/iqtishaduna.v10i1.326

Following the 2008 financial crisis, the global economy will continue to experience shock in the years to come. Therefore, it is vital to conduct research that can anticipate the impact of fluctuations in financial stability. This research examines the stability of the Islamic banking system in Indonesia, Malaysia, and Pakistan, using Z-Score as a proxy variable for stability measurement and Markov Switching VAR for the method. The objectives are to identify which Islamic banking has better resilience in facing crisis and identify the economic variables that have a significant effect on the stability of Islamic banking. The results showed that the stability of Indonesian Islamic banking was more stable compared to Malaysia and Pakistan. The crisis periods determined from the method show that in 2019 all countries studied entered the beginning of the crisis period, which means the world conditions tend to re-enter the crisis, repeating the 2008 financial crisis.

Dampak Islamic Intellectual Capital dan Islamic Social Reporting terhadap Maqashid Syariah Performance: Peran Moderasi Islamic Corporate Governance Firman Jofani; Endri Endri; Saiful Anwar
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8371

This study aims to determine the impact of Islamic Intellectual Capital and Islamic Social Reporting on Maqashid Syariah Performance with the Moderation role of Islamic Corporate Governance. The method used in this research is associative quantitative method. While the data used in this study is secondary data. The population in this study is the largest bank in the world version of The Asian Banker 2020 in the period of 2016 - 2021. The sample used in this study is the 10 largest banks in the world version of The Asian Banker with an observation period of 6 years in the 2016 - 2021 period, so there are 60 observational data. Data analysis used descriptive statistical analysis and Moderated Regression Analysis (MRA). The analytical tool used in this research is analysis with the help of the Eviews version 9. The results of this study indicate that simultaneously the Islamic Intellectual Capital (iB-IC) and Islamic Social Reporting (ISR) variables have an effect on Maqashid Syariah Performance (MSP). Partially the Islamic Intellectual Capital variable has a significant positive effect on Maqashid Syariah and the Islamic Social Reporting variable has no effect on Maqashid Syariah Performance. The moderation test shows that the Islamic Intellectual Capital Variable cannot moderate the effect of Islamic Intellectual Capital on Maqasyid Syariah Performance and the Islamic Corporate Governance Variable can moderate the effect of Islamic Social Reporting on Maqasyid Syariah Performance.

Analisis Model Literasi Keuangan Syariah Bagi Generasi Milenial Di Jabodetabek Anak Agung Monny Aryadi Djlantik; Saiful Anwar
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 2 (2023): JIEI : Vol.9, No.2, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i2.8900

The Millennial Generation is the largest market share in the future for Islamic banking with a total of 74.93 million or 27.94%; therefore, Islamic financial literacy is very important for the millennial generation. This study aimed to examine the influence of Attitude, Behavior, Knowledge, Skill, and Belief on the Millennial Generation choosing Islamic Financial products and institutions in Indonesia. The object of research is the millennial generation in Jabodetabek. Collective data used a questionnaire with a sample selection technique using purposive sampling, while data analysis techniques used the Structural Equation Model (SEM). The research results prove that of the five variables examined in the Millennial Generation, 3 v3 variables have an on the Millennial generation to choose products for Islamic banking institutions, and two variables have no influence on the Millennial generation in deciding to choose Islamic financial institution products.

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/joecy.v5i3.6527

Pengelolaan zakat di Indonesia menghadapi tantangan berupa rendahnya transparansi dan keterbatasan pemanfaatan sistem akuntansi berbasis teknologi sesuai standar PSAK 409. Penelitian ini bertujuan mengembangkan aplikasi akuntansi berbasis Spreadsheet untuk pengelolaan zakat pada Lembaga Amil Zakat Masjid Raya Bintaro Jaya dengan pendekatan Design Thinking. Penelitian menggunakan jenis penelitian pengembangan dengan desain studi kasus, melibatkan pengurus keuangan lembaga zakat sebagai sampel purposif. Data dikumpulkan melalui wawancara, observasi, dan pengujian aplikasi, dianalisis secara kualitatif menggunakan teknik tematik. Hasil penelitian menunjukkan aplikasi yang dikembangkan mampu mencatat transaksi digital, menghasilkan laporan keuangan akurat sesuai PSAK 409, serta mudah digunakan oleh pengurus dengan kemampuan komputer dasar. Kepuasan pengguna mencapai 95%, dan aplikasi mendukung transparansi, akuntabilitas, serta efisiensi pengelolaan zakat. Kinerja sistem relatif stabil walau mengalami penurunan ringan saat data sangat besar. Kesimpulan penelitian menunjukkan aplikasi ini merupakan solusi inovatif dan praktis untuk meningkatkan pengelolaan keuangan zakat, mendukung kepatuhan audit, serta berdampak sosial ekonomi. Penelitian selanjutnya disarankan menguji implementasi luas dan integrasi teknologi cloud serta mobile

Co-Authors Abdul Mujib Arijuddina Adril Hakim Akram Akram Anak Agung Monny Aryadi Djlantik Ascarya Ascarya Aziz Budi Setiawan Deni Nasri ellysa kurniati ENDRI ENDRI Firman Jofani Gustofan Mahmud Handi Risza Lisa Hanifah Lukman Lukman Luqmanulhakim Luqmanulhakim Mukhamad Najib Rifki Ismal Rifki Ismal Ronald Rulindo Sigid Eko Pramono Sigit Pramono Supriyandi Supriyandi Ulumuddin Nurul Fakhri Ulumuddin Nurul Fakhri Widya Risfika Utami

Title

Found 13 Documents
Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title Search

Found 13 Documents Search

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Abstract

Title

Found 13 Documents
Search