Dina Fitrisia Septiarini, Dina Fitrisia
Departemen Ekonomi Syariah - Fakultas Ekonomi Dan Bisnis - Universitas Airlangga

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Pengaruh Pertumbuhan Dana Pihak Ketiga Terhadap Laba Perbankan Syariah di Indonesia Lutfiyah Putri Nirwana; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 8 (2015): Agustus-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (246.87 KB) | DOI: 10.20473/vol2iss20158pp642-657

Abstract

This research was aimed to find out the partial asnd simultaneous effect of wadi'ah current account, wadi'ah savings, mudharabah saving, and mudharabah deposits to profits in Islamic Banking. This research used quantitative approach. Statistical tool used is the multiple regression time series. The population in this research was Islamic banking industry recorded in Indonesian bank. The sample used is the Islamic Banks and Islamic Business Unit which data summarized in statistical reports of Islamic banking. The research period is January 2009 - October 2014. The simultaneous test resulst were wadi'ah current account, wadi'ah savings, mudharabah saving, and mudharabah deposits simultaneously had significant effect on profits of Islamic banking. The partial test showed that wadi'ah savings has significant effect against Islamic banking profit whereas of wadi'ah current account, mudharabah saving, and mudharabah deposits has no significant effect to Islamic banking profit.
Analisis Tren dan Perbandingan CAR, NPF, Pemenuhan PPAP, ROA, BOPO, Cash Ratio, dan FDR Pada Bank Syariah Mandiri dan Bank Muamalat Periode Desember 2004 Sampai Dengan Desember 2013 Archelia Imarvianti; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 9 (2015): September-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (1353.692 KB) | DOI: 10.20473/vol2iss20159pp728-744

Abstract

This research is to know the trend and the differences of financial performance between Bank Syariah Mandiri and Bank Muamalat in the periods of 2004-2013. This research used quantitative for the research method, purposive sampling for the sampling technique, Bank Syariah Mandiri and Bank Muamalat for the sample. This research conduct the trend analyzed,and conduct the comparative analyzed with independent sample t-test. This research used seven variables to evaluate the financial performance which was CAR, NPF, the fulfillment of PPAP, ROA, BOPO, cash ratio, and FDR.The trend analysis showed that Bank Syariah Mandiri has better progress on CAR, BOPO, cash ratio, and FDR, whereas Bank Muamalat has better progress on NPF, the fulfillment of PPAP and ROA. The comparative analysis showed that there are no differences on BOPO and cash ratio, whereas there are differences on CAR, NPF, the fulfillment of PPAP, ROA, and FDR.
Pengaruh Equality To Total Assets Ratio, Non Performing Ratio dan F9inancing To Deposit Ratio Terhadap Kinerja Keuangan Koperasi BMT Nurul Jannah Gresik Tahun 2012-2014 Febby Karina Anastasia; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 2 No. 10 (2015): Oktober-2015
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (199.951 KB) | DOI: 10.20473/vol2iss201510pp812-827

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This research aimed to know the influence of Equity to Total Assets Ratio, Non Performing Ratio and Financing to Deposit Ratio to Return on Assets Ratio in BMT Nurul Jannah Gresik. This research used the quantitative approach method. The analysis technique used multiple linear regression.Based on the result of t-test, Equity to Total Assets Ratio and Financing to Deposit Ratio partially did not influence significantly to Return on Assets Ratio, but Non Performing Financing influenced significantly to Return on Assets Ratio. The result of simultaneous test showed that Equity to Total Assets Ratio, Non Performing Ratio and Financing to Deposit Ratio had significant effect to Return on Assets Ratio with siginificant value 0,001. The ability of Equity to Total Assets Ratio, Non Performing Ratio and Financing to Deposit Ratio in explainingReturn on Assets Ratio of 38,3% and the remaining 61,7% was explained by other variables outside the model.
Pengaruh CAR, NPF, FDR, dan OER, Terhadap ROA Pada Bank Pembiayaan Rakyat Syariah di Indonesia Periode Januari 2009 Hingga Mei 2014 Linda Widyaningrum; Dina Fitrisia Septiarini
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 (244.872 KB) | DOI: 10.20473/vol2iss201512pp970-985

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Islamic Rural Bank is intermediary institution that collect and distribute the fund in financing. BPRS management hope that every operational activities always shows good performance in order to obtain optimal benefit. One of the way to measure performance is calculating financial ratios. The purpose of this research to know the effect of CAR, NPF, FDR, and OER on ROA in industry of Islamic Rural Bank period January 2009 until May 2014 in partial and simultaneous. This research method used quantitative approach. Sample of this research was based on monthly period, so there were 65 months/samples. Sampling technique used purposive sampling. All data taken from Sharia Islamic Statistic. Analyze technique used multiple regression.The results of this research showed that in simultaneous, CAR, NPF, FDR, and OER had significant effect on ROA. In partial, CAR, NPF, and FDR had not significant effect on ROA, beside OER had significant effect on ROA.
Penerapan Teknik Analytical Hierarchi Process (AHP) Dalam Pengambilan Keputusan Pembiayaan Produktif (Studi Kasus Pada Bank JATIM Syariah Cabang Darmo) Firdausi Nuzula; Dina Fitrisia Septiarini
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 (190.633 KB) | DOI: 10.20473/vol3iss20164pp311-324

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The purpose of this study was to determine the main criteria of decision-making for productive financing based on the level of interest by using AHP technique. Results of this study is the capital criteria become a major criterion in the decision-making productive financing. Most important sub-criteria of Character is payment commitments. Most important sub-criteria of Capacity is obtained from customer turnover per month. Most important subcriteria of Capital is trackrecord of prospective customer payments. Most important subcriteria of Collateral is the ownership of the collateral and the authenticity of the documents. Most important sub-criteria of Condition of Economy is the business both in the side of the law and the government. The results of all the weighting of criteria and sub-criteria through the process of harmonic average from seventh informant’s answers.
Pengakuan, Pengukuran, Penyajian, Dan Pengungkapan Aset Kelolaan Pada Lembaga Amil Zakat Ghufraanaka Ghufraanaka; Dina Fitrisia Septiarini
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 (315.79 KB) | DOI: 10.20473/vol3iss20165pp375-390

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The purpose of this research is to assess the implementation of accounting aspects such as recognition, measurement, presentation and revelation of zakat transactions within LAZISMU in regards to PSAK 109 concerning zakat accounting. This research employs a qualitative descriptive approach with case study methodology. The technique of analysis used within this research is the domain analysis technique. The research determines two domains in relation to zakat accounting, which are acquisition, management and distribution of zakat, infaq and shadaqah. Results suggest that in the aspect of recognition and measurement, LAZISMU demonstrated compliance to the PSAK 109 during the acquisition of zakat, infaq and shadaqah, however LAZISMU failed to show compliance in regard to the aspects of revelation and presentation during the acquisition process. In conclusion, LAZISMU are not compliant to the general guide of zakat accounting, mostly due to lack of able personnel in LAZISMU.
Analisis Tren Dan Perbandingan Rasio Islamicity Performance Pada Bank Syariah Mandiri, BANK Muamalat Indonesia, Bank BRI Syariah Dan Bank BNI Syariah Periode 2011-2014 Harvita Ayu Lutfiandari; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 6 (2016): Juni-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (447.997 KB) | DOI: 10.20473/vol3iss20166pp430-445

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This study is aimed to investigate the trend of financial performances and the difference of Islamicity Performance Ratioamong Islamic banks in Indonesia during 2011-2014. The quantitative approach of purposive sampling is used as the research method. The data collected frombank’s annual financial statements (2011-2014) used as sample: Bank Syariah Mandiri, Bank Muamalat Indonesia, Bank BNI Syariah and BRI Syariah. The data collected then analyzed using the trend analysis and ANOVA. Six variables: PSR, ZPR, EDR, DEWR, IIR and IsIR, are used as proxies for Islamicity Performance Ratio.Trend analysis shows that BRI Syariah has better PSR, ZPR, EDR, IsIR compared to other banks except for DEWR. IIR of Bank Muamalat is the best among others. Comparative analysis shows there are differences of Islamicity Performance Ratioamong Islamic banks in terms of PSR, EDR and DEWR, nevertheless there is no difference in terms of ZPR, IIR and IsIR.
Analisis Kriteria Penetapan Nilai Bagi Hasil Pendanaan Dengan Menggunakan Teknik ANP (Studi Kasus Pada Bank JATIM Syariah) Lolla Rizky Nanda Devita; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 8 (2016): Agustus-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (236.694 KB) | DOI: 10.20473/vol3iss20168pp600-614

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The purpose of this study was to find out what is the main criteria in determining revenue sharing value of funding based on interdependence level of internal and external factors by using ANP techniques at Bank Jatim Syariah. The research method used is descriptive qualitative approach with study case method. Data collected by interviews, questionnaires, documentation and other literature. Analysis technique used is the technique of Analytic Network Process (ANP) with weighting questionnaires given to the informant. Weighting is done through comparison between the criteria, sub-criteria and sub-criteria traffic. Results from this study are the criteria of internal factors with sub criteria bank revenue of 0.17416 become a major criterion in the decision-making on determination of revenue sharing value of Funding in Bank Jatim Syariah. Results of the weighting of criteria and sub - criteria through the geometricmean of three informants of Bank Jatim Syariah.
Dampak Faktor Pemicu Terjadinya Displaced Commercial Risk Terhadap Keputusan Nasabah Untuk Tetap Menjadi Nasabah Bank Syariah Di Surabaya Yonindya Rohmatur A.; Dina Fitrisia Septiarini
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 (342.547 KB) | DOI: 10.20473/vol3iss20169pp728-743

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The purpose of this research is to know if the three factor triggers of Displaced Commercial Risk (DCR) have affect partially to the decision of costumer to remain as the costumer of sharia bank. The method used is quantitative methods through questionnaire using likert scale by multiple linear regression analysis with reliability test and validity, classic assumption test, and hypothesis test.. The sample used is 100 sharia bank’s costumer who comply the criteria sample assigned. simultaneously rate of return, bank’s operational, and profit sharing expectation significantly affect to the decision of costumer, and partially the rate of returnand bank’s operational significantly affect to the decision of costume r, but partially the expectation of profit sharing not significantly affects to the decision of costumer.
Analisis Faktor-Faktor Yang Mempengaruhi Jumlah Dana Pihak Ketiga Pada Bank Umum Syariah Di Indonesia (Periode Triwulan I 2010-Triwulan I 2015) Wardati Mumtazah; Dina Fitrisia Septiarini
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 (340.27 KB) | DOI: 10.20473/vol3iss201610pp800-815

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The purpose of this research is to know whether the internal factors of Islamic Banks (profit sharing and bonus and promotion cost), and external factor of Islamic Banks (inflation) have significant effect, both simultaneously and partially, to the amount of third-party’s funds Islamic Bank in 1st quarterly of 2010 – 1st quarterly of 2015 period. The method used in this research is quantitative method and also using the secondary data which obtained from financial reports and other reports started from in 1st quarterly of 2010 – 1st quarterly of 2015. The population is Islamic Banks in Indonesia. The choosing of sample was done with using sampling purposive method and there are 6 Islamic Banks that comply with the specified sample criteria. Analysis technique used is multiple linier regression analysis of panel data.
Co-Authors Adityasari, Novy Agustina, Rosi Astrika Almira Ulfa Nugraheni Anisatun Muazaroh Aprianti Andita Putri Archelia Imarvianti Archelia Imarvianti, Archelia Ayu Fitri Ayu Fitri, Ayu Bayhaqy Mochamad Bobby Raditya Priambodo Citra Mustika Anaphari Dian Filianti Dwi Rizka Rahmawati Dzakirah, Hanin Dzikra Elsha Dwi Angganis Satata Evrilyan, Herlin Farokhah Muzayinatun Niswah Febby Karina Anastasia Febby Karina Anastasia, Febby Karina Filianti, Dian Firdausi Nuzula Firly Aulia Alhimnie Ghufraanaka Ghufraanaka Habib Sa'dul Kholqi Halimatussa’idah Halimatussa’idah Harvita Ayu Lutfiandari Hasanah, Rofadatul Herlin Evrilyan Hisan, Ulis Fajar Choirotun Inggrid Eka Pratiwi Inggrid Eka Pratiwi, Inggrid Eka Kholidah, Himmatul Kurnia Azhar Nur Linda Widyaningrum Linda Widyaningrum, Linda Lolla Rizky Nanda Devita Lutfiyah Putri Nirwana Lutfiyah Putri Nirwana, Lutfiyah Putri M. Madyan Madha Adi Ivantri, Madha Adi Martha Ineke Noviandani Matsahri Matsahri Matsahri, Matsahri Merlin Dewi Ariska Muchamad Ichwan Subagiyo Muhammad Habibi Astono Muhammad Indra Maulana Risqi Muhammad Nizar Rusdiansyah Najammudin Syah Falah Nisful Laila Noven Suprayogi, Noven Novy Adityasari Primastri Ayu Damayanti Rachma Revida Risma Kartika Mulya Wardhani Rofadatul Hasanah Rofadatul Hasanah Rosi Astrika Agustina Rusdiansyah, Muhammad Nizar Saraya Izazi Syarafina Hisyam Satria Agus Susilo Tri Mei Wulandari Ulansari, Dewi Rekno Ulis fajar Choirotun Hisan Ulis Fajar Choirotun Hisan Ulis Fajar Choirotun Hisan Umi Muhanik Ustman Hady HP Ustman Hady HP, Ustman Hady Wahyu Rofikah Wardaningsih, Elfiyah Wardati Mumtazah Wardatul Baidok Winasis, Rafasya Syauqila Wulandari, Tri Mei Yeni Nor Fitriani Yonindya Rohmatur A.