Noven Suprayogi, Noven
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

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Manajemen Risiko Dana Tabarru' PT. Asuransi Jiwa Syariah Al Amin Hifi Saniatusilma; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 12 (2015): Desember-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (235.601 KB) | DOI: 10.20473/vol2iss201512pp1002-1018

Abstract

The purpose of this study is to find out the risk management of tabarru' funds. As an institution that works to manage risk, islamic insurance has a duty to manage the tabarru’ funds. There is the possibility of a risk at tabarru’ fund. So, islamic insurance institution have a duty for risk management process of tabarru’ funds. This study uses a qualitative approach. Data research obtained by interview and documentation with the head and the deputy of Al Amin Surabaya branch. The results of this study, PT. Asuransi Jiwa Syariah Al Amin was execute the risk management process implemented by the four stages. Risk identification through underwriting limit process; rank the risk based on impact and complexity of risk;control risks by self retention; and response to the risk through change of insurance rates, products diversification and sharing of risk with reinsurance.
Analisis Komposisi Ideal Dana Tabarru’-Ujrah Metode Dynamic Financial Analysis Perusahaan Asuransi Jiwa Syariah Di Indonesia Billy Purwocaroko N; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 2 (2016): Februari-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (438.975 KB) | DOI: 10.20473/vol3iss20162pp158-172

Abstract

The aim of this study was to determine the ideal composition of tabarru'-ujrah fund on Sharia Life Insurance company in Indonesia through Dynamic Financial Analysis method. This research is a quantitative with a simulation approach. The simulation model was Monte Carlo simulation. The data using a secondary data from the financial statements of insurance sharia life insurance companies published between 2012-2014. There are two variables that influence the formation of the composition tabarru’ the claims and Retakaful. The results of this study indicate that the ideal composition tabarru'-ujrah funds obtained amounted to 68.73%: 31.27%. The phenomenon that occurs is the composition tabarru’ which showed a reading below 50%, the life insurance industry sharia set much ujrah in every contribution at the time of composition claims and Retakaful in a low position, and ROI DPS received until the end of the forecasting declining and even minus.
Komparasi Efisiensi Penghimpunan Dana Pihak Ketiga Bank Umum Syariah Dan Bank Umum Konvensional Di Indonesia Dengan Metode Data Envelopment Analysis Yuliati Yuliati; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 4 (2016): April-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (353.699 KB) | DOI: 10.20473/vol3iss20164pp280-294

Abstract

This study aims to determine and comparing the level of third-party funds accumulation efficiency of Islamic Banks and Conventional Banks in Indonesia. This study uses a quantitative non-parametric approach with Data Envelopment Analysis (DEA) CRS and VRS assumption, and statistical tool namely Mann Whitney U-Test. The samples are 10 Islamic Banks and 13 Conventional Banks those comply with the specified sample criteria. During 2010 to 2014, Islamic Banks has efficiency level of third-party funds accumulation relatively higher than Conventional Banks based on CRS and VRS assumption. Source of inefficiency in Islamic Banks is the scale of third-party funds accumulation. While the hypothesis test showed there was no significant difference in the level of third-party funds accumulation efficiency between Islamic Banks and Conventional Banks in Indonesia with the assumption of CRS, VRS, and Scale efficiency.
Penerapan Tata Kelola Syariah Lembaga Keuangan Islam (Studi Kasus Pada PT. BPRS Jabal Nur Surabaya) Fachruddin ‘Aabid; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 5 (2016): Mei-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (260.564 KB) | DOI: 10.20473/vol3iss20165pp346-358

Abstract

This research aims to analyze the implementation process of good sharia governance (GSG) in order to ensure sharia compliance. Sharia governance is a qualitative disclosure that includes arrangements, systems, and control to ensure sharia compliance. The method using descriptive qualitative approach with case study strategy at PT. Bank Pembiayaan Rakyat Syariah (BPRS) Jabal Nur Surabaya. Data collected by in depth interview and documentation. Validation techniques using source and technic triangulation. Analysis techniques using Miles and Huberman’s.Result of this research is based on seven patterns from the sharia governance process which represents the instrumental function of the sharia supervisory board as part of the internal governance structure of corporate governance in Islamic Financial Institutions. Based on the analysis that has been conducted by researchers, PT. Bank Pembiayaan Rakyat Syariah Jabal Nur has been quite obedient in fulfillment guarantee of sharia compliance based on the implementation process of good sharia governance.
Analisis Perbedaan Penggunaan Metode Pengakuan Pendapatan Margin Murabahah Terhadap Kualitas Laba (Studi Kasus pada Bank Syariah di Indonesia Tahun 2011-2013) Dwi Wulan Ramadani; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 9 (2016): September-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (237.712 KB) | DOI: 10.20473/vol3iss20169pp699-712

Abstract

This study aims to determine the presence or absence of differences in the earnings quality on murabaha margin revenue recognition. The sample used in this study selected by purposive sampling method. It produces 6 Islamic Banks (BUS) in Indonesia with the data obtained from their annual reports that have already been published. The research used a quantitative approach using equations of regression to detect the presence or absence of earnings management, which then in different test using independent t-test. The variable in this study is earnings quality that is categorised based on the use of murabaha margin revenue recognition method. Results shows that differences in using murabaha margin revenue recognition method has an impact on quality of earnings. However, the statistical test indicated that there was no significant difference to the quality of earnings.
Analisis Penyajian Laporan Keuangan Koperasi Syariah (Studi Kasus Pada BMT Muda Dan KJKS BMT Amanah Ummah Di Surabaya) Nabilah Nabilah; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 10 (2016): Oktober-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.183 KB) | DOI: 10.20473/vol3iss201610pp843-855

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Sharia cooperative is subject to use the PSA Sharia guideline 100 and 101 on the process of arranging and presenting financial report. The fact is that there are a lot of financial report presentation that is less suitable with the PSAK Sharia. This research aims at determining the reasons why do the financial report presentation is less suitable with the PSAK Sharia 100 and 101.This research utilizes qualitative approach with exploratory case study method. Data collection is done by interviewing informant with resource triangulation validation method.The result of this research shows that sharia cooperation tends to use Indonesian Accounting Standards Non-Publicly-Accountable Entities (SAK ETAP) when presenting the financial report since there is a Ministrial regulation of Cooperatives and Small-Medium Enterprises number 4 in 2012 that obliged all the cooperatives in Indonesia to use SAK ETAP guide.
Internet Financial Reporting: Studi Komparasi Bank Umum Syariah Di Indonesia Dan Malaysia Taqiyah Dinda Insani; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 11 (2016): November-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (214.083 KB) | DOI: 10.20473/vol3iss201611pp886-899

Abstract

The purpose of this study was to determine the differences of Internet Financial Reporting Quality. This study was using quantitative approach with independent sample t test and mann whitney u test. The population of this study was official website of islamic banks in Indonesia and Malaysia. determination of the number of samples using (sampling jenuh), where all of the population is used as a sampel. Data that being used was secondary data. The data was collected from official website of the sentral banks in each country. The result of this study showed that there was significant differences of Internet Fianncial Reporting Quality between Indonesia and Malaysia. The difference is caused there are significant differences between the quality of content and timeliness components. Meanwhile, there is no differences between technology and user support components.
Analisis Rasio Kesehatan Keuangan Dana Tabarru' Yang Mempengaruhi Profitabilitas Pada Asuransi Syariah di Indonesia (Periode 2012-2014) Estiningtyas Kusuma Safitri; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 1 (2017): Januari-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (351.351 KB) | DOI: 10.20473/vol4iss20171pp73-88

Abstract

The purpose of this research is to find out the effect of tabarru’ fund financial health towards the profitability in insurance. The method that used in this research is quantitative method and also using secondary data which obtained from financial reports and other reports started from 2012 until the end of 2014. The choosing of sample was done using sampling purposive method and there are 28 Islamic insurances that comply with the specified sample criteria. Analysis technique used is multiple linier regression analysis of panel data. The result are risk based capital that have significant level less than 0,1 but liquidity ratio, balance investment liability ratio, investment income ratio, claim expenses ratio, and tabarru’ fund change risk do not significantly influence the profitability of Islamic insurance companies because the significantly level more than 0,1.
Bank Syariah di Indonesia: Analisis Pengaruh Rata-Rata Tingkat Bagi Hasil Deposito dan Rata-Rata Tingkat Suku Bunga Deposito Terhadap Jumlah Deposito dan Jumlah Nasabah Deposito Periode 2009-2014 Aprilia Pratiwi; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 2 (2017): Februari-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (349.215 KB) | DOI: 10.20473/vol4iss20172pp89-100

Abstract

This research aimed to determine the average profit-loss sharing level of deposit and the return level of deposit affect to total deposit and the quantity of Islamic banking customer in Indonesia, in time year 2009 until year 2014. The approach is a quantitative approach using VECM (Vector Error Correction Model) analytical techniques, to determine the effect of independent variable to dependent variable. The independent variable of this research is the average profit-loss sharing level of Islamic banking and the return level of deposit in conventional banking. While the dependent variable of this research is the total deposit and the quantity of Islamic banking customer in Indonesia. The result of this research showed that independent variable has a significant effect to total deposit in a long term, both simultaneous and partial. While in the quantity of customer, independent variable has no significant effect, both simultaneous and partial in a long term.
Bagaimana Pola Perencanaan dan Pengelolaan Keuangan Keluarga Muslim Etnis Arab Yang Berprofesi Ustadz dan Dokter di Surabaya Syelvi Salama Binti Abdullah Bazher; Noven Suprayogi
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 3 (2017): Maret-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (292.088 KB) | DOI: 10.20473/vol4iss20173pp203-218

Abstract

The purpose of this study was to determine how the pattern of financial planning and management of ethnic Arab families in Surabaya. This study used descriptive qualitative approach. The data collection is done by Interview and observation. The analysis technique used is the domain analysis techniques, taxonomy and componential.The results of this study there are some interesting phenomena to be discussed related to the pattern of financial planning and management arab ethnic family in Surabaya namely: managing income that the arab ethnic family uphold the principles to qowwam husband was sustained to shalihaan wife. Managing highly prioritize the settlement of this case is the most important prior to meeting the needs of the family. Managing dream has rules of jurisprudence life priorities, namely mukhodima ahamminal Muhin. Managing surplus and deficit has a principle to prioritize investment of the savings. managing contigencie social capital as a protection of the family.
Co-Authors Abdul Alaa Asy Syafiq Abdul Aziz Sahrullah Afandi, Ahmad Hafid Agustina, Ribut Pipit Ahmad Hafid Afandi Ahmad Shofiy Mubarok Aishanafi Khadifya Sarwedhie Aishanafi Khadifya Sarwedhie, Aishanafi Khadifya Aisyah Amaliyana Alif Rana Fadhilah Alifianingrum, Rosyda Amaliyana, Aisyah Ana Zuliatin Nadhiroh Annisa Permatasari Anugraheni, Hayyuna Aprilia Pratiwi Arif Maulana Arinda Dewi Nur Aini Baiyina Rupiawan Basyasyatul Hanafiyah Bayu Arie Fianto Billy Purwocaroko N Daisy Firmansari Damayanti, Ristra Ayu Dania Ulfah Dianti Della Safira Radi Putri Devi Arum Saputri Dian Rizqi Lestari Dianti, Dania Ulfah Dimas Mulya Pratama Ditta Feicyllia Sari Ditta Feicyllia Sari, Ditta Feicyllia Diyas Indiastary Dwi Wulan Ramadani Estiningtyas Kusuma Safitri Fachruddin ‘Aabid Fadhilah, Fatin Fatin Fadhilah Febriyanti, Annisa Rahma Filianti, Dian Frendi Prayogo Frinda Fraktika Devi Galuh Widagdo Gani, Redy Barlian Hayyuna Anugraheni Hengky Asmarakandi Hifi Saniatusilma Hifi Saniatusilma, Hifi Husnul Hotimah, Husnul Imam Wahyudi Indrawan Iriani, Rosyida Ismiyatun Nafi'ah Izzadin Nur Muhammad Lauda Huruniang Lauda Huruniang, Lauda Lina Aulia Rahman Lina Aulia Rahman, Lina Aulia Moh Sigit Awwaludin Muhammad Al Fansa Nuhin Muhammad Rasyid Ridha Pratama Mukhibbatul Adawiyah Nabella Ericha Ayufianti Nabila Rifda Darmawanti Nabilah Nabilah Nadhiroh, Ana Zuliatin Nisrinah Arofahtus Sholehah Nur Sa’diyah Pratama, Muhammad Rasyid Ridha Puji Sucia Sukmaningrum Putri Hayati Rahmah Yulisa Kalbarini Rahmah Yulisa Kalbarini, Rahmah Yulisa Rana Ayu Azizah Rana Ayu Azizah, Rana Ayu Ribut Pipit Agustina Riris Rizky Hayati Ristra Ayu Damayanti Rizki Amalia Rahma Diyanti Rosa Kartika Al-Jihadi Rosyda Alifianingrum Rosyida Iriani Ruhana, Nafisah Ruhana, Nafisah Salfia Salfia Saputri, Devi Arum Satrio Hadibowono Siti Asmaul Usnah Siti Asmaul Usnah, Siti Asmaul Syelvi Salama Binti Abdullah Bazher Taqiyah Dinda Insani Tyagita Winaya Mukti Wijayanti, Ida Windi Wulandari Fitriani Wiwit Mustafidah, Wiwit Yeano Dwi Andhika Yeni Putri Lintang Sari Yenny Novita Sari Yulia Wahyu Ningsih Yuliati Yurike Fitria Astuti