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

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Analisis Perbandingan Kinerja Keuangan Bank Umum Syariah Hasil Spin Off Dan Non Spin Off Periode 2013-2015 Saraya Izazi Syarafina Hisyam; Dina Fitrisia Septiarini
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 (338.893 KB) | DOI: 10.20473/vol3iss201611pp872-885

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The aim of the study was to determine the difference in financial performance of Islamic banks results of acquisition and spin-offs around period year of 2013-2015. Financial performance measurement of Islamic banks used capital, asset quality, earning, and liquidity factor. Thus, study used quantitative research. The Islamic bank that are used as a sample in this study including one Islamic bank result of spin off and six Islamic bank result of acquisition. The financial performances analyzed using independent sample t-test and Mann-Whitney test. The variables used in financial performance assessment are CAR, NPF, ROA, BOPO and FDR. The data used for this study are secondary data gathered from per semester financial report in period of June 30th 2013 to June 30th 2015. The comparative analysis result in ratio of CAR, NPF, ROA, BOPO and FDR showed no differences in financial performance of Islamic banks result of acquisition and spin-off.
Pengaruh Dewan Komisaris, Komposisi Dewan Komisaris Independen, Dewan Pengawas Syariah, Frekuensi Rapat Dewan Komisaris Syariah, Dan Frekuensi Rapat Komite Audit Terhadap Pengungkapan Indeks Islamic Social Reporting Pada Bank Umum Syariah Periode 2010-2014 Wardatul Baidok; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 3 No. 12 (2016): Desember-2016
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (302.192 KB) | DOI: 10.20473/vol3iss201612pp1020-1034

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This study aims to find out the simultaneous and partial influences of aboard of commissioner, the composition of board of independent commissioner, board of syariah controller, the frequency of board of syariah controller meetings, and the frequency of audit committee meetings toward the disclosure of ISR index to Islamic public banks during period 2010-2014.This study uses quantitative approach, and the data is a secondary data which was obtained using purposive sampling. The data was analyzed using panel data regression. The population includes all Islamic public banks in Indonesia by focusing on period 2010-2014.The result shows that, simultaneously, the five variables have significant influence toward ISR. Partially, KDKI, DPS, and the FRDPS have significant influence toward ISR, while DK and FRKA have insignificant influence toward ISR.
Pengaruh Intellectual Capital Terhadap Return On Asset Pada Bank Umum Syariah di Indonesia Periode Q1.2013 - Q4.2014 Umi Muhanik; Dina Fitrisia Septiarini
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 (293.184 KB) | DOI: 10.20473/vol4iss20171pp1-13

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ROA) sharia banks Q1.2013 - Q4.2014 period. The method used is quantitative method with jenuh sampling technique. This study uses 11 Islamic banks and the technique used is the panel data regression. The process of calculating this study using Eviews 8.0 program. Independent variables used Intellectual Capital is VACA, VAHU, STVA and dependent variables use Return on Assets (ROA). The data used is secondary data with the collected data quarterly financial report for the period Q1.2013 – Q4.2014.Hypothesis testing is done using simultaneous significance test (F test) and partial significance test (t test). Panel data analysis conducted showed that simultaneous VACA, VAHU, STVA significant effect on ROA while partial VACA no significant effect on ROA, VAHU significant effect on ROA, STVA no significant effect on ROA.
Analisis Pembiayaan Akad Mudharabah dan Musyarakah di Bank Syariah (Studi Kasus Bank BTN Syariah) Muhammad Habibi Astono; Dina Fitrisia Septiarini
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 (154.65 KB) | DOI: 10.20473/vol4iss20172pp159-172

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The purpose of this study was to determine how the analysis process for the results of financing agreement in Islamic banks (Bank BTN Syariah case study). The results showed that of the theory 5C, Bank BTN Syariah using 4C theory (Character, Capacity, Capital, Collateral) or the so-called four pillars. As for the theory 6A (Analysis of Legal Aspects, Analysis Marketing Aspect, Aspect Analysis Technical Analysis Aspects of Management, Analysis of Financial Aspect, Aspect Analysis Socioeconomic) the Bank BTN Syariah overall use of the theory. Risk mitigation strategies of financing and loss at Bank BTN Syariah divided into two types namely risk strategy proactive and reactive risk strategy . Proactive risk strategy carried out by the analysis of the character , financial capability and guarantees borrowers. Reactive risk strategy carried out by the approach of friendship , rescheduling and restructuring measures, as well as the withdrawal of the guarantee.
Analisis Pengaruh Struktur Pasar dan Perilaku Pasar Terhadap Kinerja Pasar Pada Bank Umum Syariah di Indonesia dan Malaysia Tahun 2011-2015 Rachma Revida; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 5 (2017): Mei-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (293.06 KB) | DOI: 10.20473/vol4iss20175pp367-380

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The aim of this study was to analyze the influence of market concentration, market share, and OEOR on profitability in Islamic Banks in Indonesia and Malaysia in 2011 – 2015 using the paradigm of structure, conduct, and performance. The samples of the study consisted of a total 11 Islamic banks in Indonesia and 16 Islamic banks in Malaysia. The analysis technique use in this study was panel data regression using Eviews 7.0 programme. The independence variables of the study were market concentration ratio Herfindahl-Hirchman index), market share, and OEOR, while the dependent variable was the return of asset (ROA). The results of this study indicate that market concentration and market share variables not significantly affect the ROA of Islamic banks in Indonesia and Malaysia, while the OEOR variable has significant effect to the ROA of Islamic banks in Indonesia and Malaysia.
Pengaruh Kinerja Sumber Daya Manusia, Kinerja Manajemen, dan Kinerja Permodalan Terhadap Return On Asset (Studi Kasus Pada Bank Umum Syariah 2011-2015) Yeni Nor Fitriani; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 7 (2017): Juli-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (285.731 KB) | DOI: 10.20473/vol4iss20177pp560-575

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The purpose of this study is to determine the effect of human resources, performance management, and performance of return on capital asset towards ROA. This study uses quantitative approach and the sampling technique used is purposive sampling. The samples used in this study are 10 BUSes. The analysis technique used is panel data regression. The results show that partially intellectual capital with iB-VAIC and the level of capital adequacy significantly affect the ROA, while the quality of GCG does not significantly affect ROA. Simultaneous research results show that intellectual capital with iB-VAIC, quality of GCG implementation and the level of capital adequacy significantly affect ROA. Therefore, the management of intellectual capital or resource management with a good knowledge and quality management of GCG supported by sufficient capital to support the operations of the company will be able to increase the ROA of sharia banks.
Faktor-Faktor Yang Mempengaruhi Kontribusi Peserta Pada Perusahaan Asuransi Jiwa Syariah di Indonesia Risma Kartika Mulya Wardhani; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 10 (2017): Oktober-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (227.561 KB) | DOI: 10.20473/vol4iss201710pp802-816

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The aims of this study is to determine the effect of operating costs, investment and claims partially and simultaneously against the contribution to the shariah life insurance companies in Indonesia during 2013-2015. This study uses quantitative approach. The sampling technique is purposive sampling and there were 19 shariah life insurance company as subjects. The technique used is regression analysis using fixed effect model (FEM) panel data. The results study indicate that the operating expenses, investment returns and claims partially and simultaneously are significant and have positive impact on the contribution to the KP equation=67051.80+0,578102BO+2,605768HI+1,427397KLM. The results illustrate that the number of contributions have important influence in the operations of the companies. The amount of contributions received is expected to cover the costs incurred for the company's operations, they can be invested so as to achieve the company's expected return, and to pay claims.
Pengaruh Equivalent Rate, Profitabilitas, dan Jumlah Kantor Terhadap Dana Pihak Ketiga BPRS di Indonesia (Periode Tahun 2013-2015) Almira Ulfa Nugraheni; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 11 (2017): November-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (289.153 KB) | DOI: 10.20473/vol4iss201711pp875-888

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This study aims to determine the effect equivalent rate, profitability and the number of offices to Third Party Funds of Sharia Rural Banks in Indonesia in 2013 until 2015. The research method used is a quantitative approach. The dependent variable in this study is the Third Party Funds, as well as the independent variable in this study is equivalent rate, the rate of profit andthe number of offices. Sample used is a saturated sampling and used multiple linear regression as analytical technique.Research results shows that the confidence level is 95%, equivalent rate, profitability, and the number of office have a significant effect on the magnitude of the amount of third party funds Sharia Rural Banks in Indonesia with 81.1% integration level. The partially, only the rate ofprofit and the number of office that significantly influence the large number of Sharia Rural banks in Indonesia.
Faktor Yang Mempengaruhi Kenaikan dan Penuruna Sisa Hasil Usaha (SHU) Koperasi Syariah Farokhah Muzayinatun Niswah; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 4 No. 12 (2017): Desember-2017
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (233.889 KB) | DOI: 10.20473/vol4iss201712pp937-951

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The pupose of this research is to determines the effects of own equity, assets and financing income as the factors of increase and decrease in cooperative surplus on KJKS Ben Iman Lamongan.The approach used in this study is the quantitative approach. Data analysis techniques used in this research is multiple linear regression analysis. The sampling method used in this study is purposive sampling, the sample is KJKS Ben Iman Lamongan. The author uses secondary data from monthly reports of balance sheet and the calculation surplus of operations of the period January 2014 to December 2016.The results of this study are own equity and assets partially no significant effect on the cooperative surplus distribution, financing income partially significant affect the cooperative surplus distribution and own equity, assets and financing income simultaneously affect the cooperative surplus distribution amounted to 93.13% while the rest 6,87% determined by othervariables.
PERBANDINGAN DAN TREND KINERJA KEUANGAN BPRS SELAMA LINKAGE PROGRAM DENGAN BANK SYARIAH PERIODE 2011 - 2016 (STUDI KASUS BPRS BAKTIMAKMUR INDAH, BPRS BHAKTI SUMEKAR, DAN BPRS PNM MENTARI) Muchamad Ichwan Subagiyo; Dina Fitrisia Septiarini
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 5 No. 1 (2018): Januari-2018
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (375.945 KB) | DOI: 10.20473/vol5iss20181pp32-47

Abstract

        The research aims to discover whether there are any differences in financial performance between Sharia Rural Bank (SRB) which take part in the linkage program and this study was to determine the trend of financial performance in period 2011-2016. The method used in this research is quantitative. The sample were SRB Baktimakmur Indah, SRB Bhakti Sumekar and SRB PNM Mentari and then carried out the analysis different test using ANOVA and Kruskal Wallis test. The variables used in financial performance assessment are ROA, ROE, BOPO, NPF, FDR, and CAR. The data used for this study are secondary data gathered from financial report. Trend analysis of this research showed that SRB Bhakti Sumekar have a good growth in ratio of ROA, ROE, BOPO, NPF and FDR, but SRB Baktimakmur have the most growth in ratio of CAR. Differences in financial performance viewed from ROE, BOPO, NPF, FDR, CAR. But, ROA do not any differences. REFERENCESAnshori, Muslich dan Iswati. 2009. Metodologi Penelitian Kuantitatif. Surabaya: Airlangga University Press.Bank Indonesia. 2001. Lampiran Surat Edaran BI No. 3/30/DPNP Perihal Sistem Penilaian Tingkat Kesehatan Bank Umum Berdasarkan Prinsip Syariah. Jakarta: Bank Indonesia_____________. 2004. Arsitektur Perbankan Indonesia (API)  _____________. 2004. Generic Model Linkage program  _____________. 2007. Lampiran Surat Edaran No. 9/24/DPbS Perihal Sistem Penilaian Tingkat Kesehatan Bank Umum Berdasarkan Prinsip Syariah. Jakarta: Bank Indonesia_____________. 2016. Publikasi Laporan Keuangan BPRS. (online), (www.bi.go.id, diakses 23 Oktober 2016)Dendawijaya, Lukman. 2005. Manajemen Perbankan, Edisi Kedua, Cetakan Kedua. Bogor: Ghalia Indonesia.Ismail. 2011. Perbankan Syariah. Jakarta: Kencana Media Group  Ismail. 2014. Sejarah Perkembangan BPR-Syariah di Indonesia. (online), (http://ismail125cc.blogspot.co.id diakses 16 September 2016)Kasmir. 2013. Analisis Laporan Keuangan. Jakarta: PT Raja Grafindo Persada.Mahmudi. 2010. Analisa Laporan Keuangan Pemerintah Daerah. Yogyakarta: STIM YKPNRepublik Indonesia. 2008. Undang-Undang Nomor 21 Tahun 2008 Tentang Perbankan Syariah. Jakarta: Republik IndonesiaRepublik Indonesia. 2009. Peraturan Nomor : 03/Per/M.KUKM/III/2009 Menteri Negara Koperasi Dan Usaha Kecil Menengah Nomor 03/PER/M.KUKM/III/2009 Tentang Linkage program. Jakarta: Republik IndonesiaRivai, Veithzal dan Arifin. 2008. Islamic Banking Sebuah Teori, Konsep, dan Aplikasi. Jakarta: Bumi Aksara.Santoso, Singgih. 2013. Menguasai SPSS di Era Informasi. Jakarta: Elex Media Komputindo.
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.