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Siti Zulaikha
Departemen Administrasi Dan Kebijakan Kesehatan, Fakultas Kesehatan Masyarakat, Universitas Airlangga, Indonesia
Religion Humanities Economics, Econometrics & Finance Education Mathematics Other

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The Effect Of Islamic Rural Banks (BPRS) On Regional Economies In Java Mauizhotul Hasanah; Faris Kurnia Hakim; Siti Zulaikha
Jurnal Ekonomi Vol. 24 No. 2 (2019): July 2019
Publisher : Fakultas Ekonom dan Bisnis, Universitas Tarumanagara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24912/je.v24i2.590

Abstract

The financial sector in a region can spur the pace of economic movements, especially with the contribution of banks in the micro sector as an intermediary tool in channelling funds to productive investments that encourage the real sector, especially in the micro sector, which will produce aggregate output. The purpose of this study is to analyze the extent of the Islamic Rural Bank (BPRS), which is an Islamic microfinance institution for the economy on the island of Java. This study uses secondary data during the period from January 2016 to December 2018. This study uses the Ordinary Least Square Data Panel method. The empirical results show that part of Total Assets does not have a significant negative effect on GRDB. While the total financing and Third Party Funds (TPF) partially does not have a significant positive effect on GRDB. Also, simultaneously the overall independent variables together have a significantly positive effect on GRDB.
ANALISIS PERBEDAAN KINERJA KEUANGAN ANTARA BPD SYARIAH DAN BPD KONVENSIONAL DI JAWA MENGGUNAKAN METODE RGEC Novrina Atika Putri; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 8 (2019): Agustus-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss20198pp1706-1717

Abstract

The RGEC approach is an assessment of the latest bank soundness that consists of risk profile, good corporate governance, earnings, capital, each of which is projected with the bank's financial performance. RGEC is able to identify problems early, solve problems more quickly, and implement better GCG and risk management so that it is resistant to crisis. This study aims to analyze whether there are differences between the level of health of conventional BPD and Islamic BPD in Java using the RGEC approach. This type of research is quantitative research. The sample in this study was selected by means of purposive sampling, based on predetermined criteria then obtained 4 conventional BPDs and 4 Islamic BPDs. The data analysis technique used in this study is the two different test averages (independent sample t-test). The results of this study prove that there are significant differences in the FDR and ROA variables between conventional BPD and Islamic BPD and there are no significant differences in the NPF, GCG, CAR variables.Keywords: RGEC, Bank Healthy, NPF, FDR, GCG, ROA, CARREFFERENCESDaniswara, Fitria dan Nurmadi. 2016. Analisis Perbandingan Kinerja Keuangan Berdasarkan RGEC pada BUK dan BUS periode 2011-2014. GEMA, THN XXX/51/Februari-Juli 2016.Kasmir. 2012. Analisis Laporan Keuangan. Jakarta: PT. Bumi Aksara.Kasmir. 2012. Dasar-dasar Perbankan. Edisis Revisi. Jakarta: PT. Grafindo Persada.Kasmir. 2012. Manajemen Perbankan. Edisi Revisi II. Jakarta: Rajawali Pers.Marwanto. 2011. Analisis Komparatif Tingkat Kesehatan Bank Umum Syariah dan Bank Umum Konvensional dengan Metode RGEC periode 2012-2013. Jurnal Ekonomi.Otoritas Jasa Keuagan No.10/SEOJK. 03/2014. Tentang Faktor PenilaianSelf Assessment GCG BUS/UUS-(www.ojk.go.id). Diakses tanggal 13 Mei 2019.Rifai. 2008. Islamic Financial Management. Jakarta: PT. Raja Grafindo Persada.Siregar, Sofyan. 2015. Metode Penelitian Kuantitatif: Dilengkapi Perbandingan Perhitungan Manual & SPSS. Jakarta: Kencana.Sugari. 2015. Analisis Perbandingan Tingkat Kesehatan Bank Syariah dan Konvensional dengan menggunakan Metode RGEC. Fakultas Ekonomi dan Bisnis Universitas Jenderal Soedirman.Sugiono. 2007. Metode Penelitian Kuantitatif Kualitatif dan R&D. Bandung: Alfabeta.Sulistianingsih, H & Maivalinda. 2018. Analisis Perbandingan Tingkat Kesehatan Bank Konvensional dan
PENGARUH SUKU BUNGA, NILAI TUKAR, DPK, DAN NPF/NPL KPR TERHADAP PENYALURAN KPR PERBANKAN DI INDONESIA Muchammad Atho'ur Rohman; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 6 No. 10 (2019): Oktober-2019
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol6iss201910pp2077-2094

Abstract

This study aims to determine the effect of interest rates, exchange rates, third party funds and NPF / NPL Mortgages on the distribution of banking mortgages in Indonesia. It is intended that Islamic banks are able to make optimal policies in the distribution of mortgages and mitigation so that the Islamic banking market share can develop. The data required is secondary data from the Indonesian Banking Statistics report, Islamic Banking Statistics, and Indonesian Economic and Financial Statistics for the period October 2014 - May 2019. Based on Multiple Linear Regression, it is known that the simultaneous test results of all variables together have a positive significant effect in the distribution of banking mortgages, and in the partial test it is known that the interest rates and third party funds have a significant positive effect on mortgages in sharia and conventional banking. The exchange rate has a significant positive effect on Islamic banking mortgages, and a significant negative effect on conventional banking mortgages. NPF / NPL mortgage has an insignificant positive effect on the mortgages of both banks. So it can be concluded that the variable interest rates, exchange rates, and third party funds affect the distribution of Islamic banking mortgages and conventional banking mortgages, while the variable NPF / NPL mortgages have no effect.Keywords: Interest rates, exchange rates, third party fund, non performing finance, non performing loan
THE ANALYSIS OF FACTORS AFFECTING ASSET GROWTH IN SHARIA INSURANCE COMPANIES FOR THE 2013 – 2017 PERIOD Alien Lilavira; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 2 (2020): Februari-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20202pp305-318

Abstract

This study aims to determine the effect of Operational Costs, Growth in Investment Returns, Contribution and Profitability to Asset Growth in Sharia Insurance Companies in Indonesia 2013-2017. This study uses a quantitative approach. The analysis technique used is multiple linear regression analysis. This study uses 21 data samples. Data is obtained from each of the Sharia Insurance Company's Financial Reports. The results showed that the variables of operational costs, growth in investment returns, contributions and profitability have a significant effect on asset growth simultaneously in sharia insurance companies in Indonesia. The variables of growth in investment returns, contributions and profitability have a significant positive effect partially, while the operational cost variable has no significant effect.Keywords: Operating Costs, Growth in Investment Returns, Contribution, Profitability, Asset GrowthREFFERENCE Ali, Hasan AM. (2004). Asuransi dalam Perfektif Hukum Islam: Suatu Tinjauan Analisis Historis, Teoritis, & Praktis. Jakarta: Kencana.Ali, Zinuddin. (2008). Hukum Asuransi Syariah. Jakarta: Sinar Grafika.Amrin, Abdullah. (2006). Asuransi Syariah. Jakarta: Elex Media Komputindo.Anshori, Muslich dan Sri Iswati. (2009). Buku ajar metodologi peneitian kuantitatif. Surabaya: Airlangga University Press.Ansori dan Iswati. (2009). Metodologi penelitian kuantitatif. Surabaya: Airlangga University Press Ghozali, I. (2006). Analisis Multivariate dengan Program SPSS. Semarang: Badan Penerbit Universitas Diponegoro.Ghozali, Imam. (2011). Aplikasi analisis multivariate dengan program IBM SPSS 19. Semarang: Badan Penerbit Universitas Diponegoro.Kasmir. (2008). Analisis laporan keuangan. Jakarta: PT Raja Grafindo Persada.Kasmir. (20140. Analisa laporan keuangan. Depok: Rajawali Pers.Kementerian Agama. (2019). Website Al-Qur’an kementerian agama. Jakarta: Kementerian Agama.Kurniawan, Robert dan Yuniarto, Budi. (2016). Analisis regresi. Jakarta: Kencana Prenada Media Group.Otoritas Jasa Keuangan. (2015). Jumlah perusahaan dan unit asuransi syariah, (Online), (http://www.ojk.go.id) PT Adira Dinamika. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.asuransiadira.com) PT AIA Financial. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.aia-financial .co.id)PT Allianz Life Indonesia. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.alamin-insurance.com)PT Astra Buana. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.asuransiastra.com)PT Asuransi Allianz Utama. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.allianz.co.id) PT Asuransi Jiwa Al-amin. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.alamin-insurance.com) PT Asuransi Takaful Keluarga. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.takaful.co.id) PT Asuransi Umum Mega. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.megainsurance.co.id) PT AXA Financial. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.axa.co.id) PT Bangun Askrida. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.askrida.com) PT Bringin Jiwa Sejahtera. (2019). Laporan Keuangan Unit Syariah, (Online), (https://www.bringinlife.co.id) PT Central Asia. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.car.co.id) PT Jiwa Manulife Indonesia. (2019). Laporan Keuangan Unit Syariah, (Online), (https://www.manulife-indonesia.com) PT Jiwa Sinarmas. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.sinarmas.co.id) PT Panin Daichi Life. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.panindai-ichilife.co.id) PT Prudential Life Assurance. (2019). Laporan Keuangan Unit Syariah, (Online), (http:www.prudential.co.id) PT Ramayana. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.ramayanainsurance.com) PT Staco Mandiri. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.stacoinsurance.com) PT Toko Marine Life Insurance. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.tokiomarine.com) PT Tugu Pratama. (2019). Laporan Keuangan Unit Syariah, (Online), (http://www.tugu.com) Ramadhani, H. (2015). Prospek dan Tantangan Perkembangan Asuransi Ssyariah di Indonesia. Jurnal Ekonomi dan Bisnis Islam, 1(1), 57-66.Salman, S. A. (2014). Countemporary Issues in Takaful (Islamic Insurance). Journal Asian Social Science, 10(22), 210-216.Sarjono, Haryadi dan Julianita, Winda. (2011). SPSS vs LISREL. Jakarta: Salemba Empat.Sastri, I. A. I.P., dkk. (2017). Pengaruh pendapatan premi, hasil investasi, dan risk based capital terhadap laba perusahaan asuransi. E-jounal Akuntansi, 7(1), 1-11.Soemitra, Andri. (2009). Bank dan Lembaga Keuangan Syariah. Jakarta: Kencana Pranada Media Group.Sugiyono. (2015). Metode penelitian kuantitatif, kualitatif, dan R & D. Bandung: Alfabeta.Suhardi & Karmawan. (2007). Konsep aset: (tinjauan statement of financial accounting concept vs standar akutansi keuangan). Journal Equity, 1(1), 7-18.Sula, Muhammad Syakir. (2004). Asuransi syariah (life and general). Jakarta: Gema Insani.Sutama, I. P., & Sastrodiharjo, I. (2015). Faktor-faktor yang mempengaruhi pertumbuhan aset perusahaan asuransi jiwa non syariah di Indonesia. Jurnal Akuntabilitas, 8(1), 18-38Yudiatmaja, F. (2013). Analisis regresi dengan menggunakan aplikasi computer stataistik SPSS. Jakarta: PT Gramedia Pustaka Utama.
THE INTERNAL FACTORS AFFECTING THE FINANCING OF SHARIA GENERAL BANK IN INDONESIA FOR 2014-SEPTEMBER 2019 PERIOD Dinayatin Umaroh; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 5 (2020): Mei-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20205pp971-984

Abstract

This study aims to determine the effect of internal factors of Islamic commercial banks in Indonesia on financing. Measured through Bank Size (Size), Liquidity Ratio, Capital Ratio, and Third Party Funds (DPK) of the four independent variables will be tested for the effect on one dependent variable. Sampling in this study uses a purposive sampling technique that includes all Islamic commercial banks in Indonesia and is taken in accordance with the criteria and research objectives into the observation data. The observation period of research data from 2014-September 2019 amounted to 8 banks. The analytical method used is panel data regression. The results of this study found that partially Bank Size, Liquidity Ratios, Capital Ratios and Third Party Funds had a positive and significant effect on Islamic commercial bank financing in Indonesia. However, the Capital Ratio has a negative and significant effect on Islamic commercial bank financing in Indonesia. Simultaneously, the four variables indicate that the independent variable influences the financing of Islamic commercial banks. The significance value of the F-statistic test shows the number 0.000000 with the value of the R-squared coefficient 0.990219 or 99% which means the four independent variables can explain financing well.Keywords: Financing, bank size, liquidity ratio, capital ratio, third party fundsREFFERENCE Ajija, S. R., Sari, D.W., Setianto, R. H., & Primanti, M. R. (2011). Cara cerdas menguasai Eviews. Jakarta: Salemba Empat.Ansari, L. P. (2017). Pengaruh tingkat inflasi dan dana pihak ketiga terhadap pembiayaan dan implikasinya terhadap pendapatan pada bank umum syariah di indonesia (studi kasus bank syariah bukopin). Jurnal E-KOMBIS, 3(7), 93–103.Arisandi, L.W., Desak, N.S.W., & Edy, S. (2015). Pengaruh Kondisi Internal Capital Adequacy Ratio, Loan to Deposit Ratio,dan Performing Loan pada Keputusan Pemberian Kredit di PT bank Rakyat Indonesia (Persero) Tbk Tahun 2004-2013. Jurnal Ilmiah Mahasiswa Akuntansi Undiksha, 3(1).Arnan, S. G., & Kurniawasih, I. (2014). Pengaruh jumlah dana pihak ketiga dan tingkat non- performing financing terhadap pembiayaan. Proceedings SNEB 2014, 1, 1–6.Aziza, R. V. S., & Mulazid, A. S. (2015). Analisis pengaruh dana pihak ketiga, non performing financing, capital adequacy ratio, modal sendiri dan marjin keuntungan terhadap pembiayaan murabahah. Jurnal Ekonomi Dan Bisnis Islam, 2(1), 1–15.Fauzan, M. (n.d.). Pengaruh dana pihak ketiga dan modal sendiri terhadap pembiayaan. JII, 2(1), 1–20.Gianni, Nur Gilang. (2013). Faktor yang mempengaruhi pembiayaan mudharabah pada bank umum syariah di Indonesia. Accounting Analysis Journal,2(1), 96-103.Gujarati, D.N., & Zhu, L. (2004). Basic econometrics, fourth edition. New York: Mc Graw-Hill Comprnies. Gunanto. D. S. dkk. 2018. Pengaruh Financing to Deposit Ratio (FDR), Dana Pihak Ketiga (DPK), dan Return On Asset (ROA) terhadap pembiayaan musyarakah. Jurnal Ilmiah Edunomika, 2(2), 219-230.Husaeni, U. A. (2017). Determinan pembiayaan pada bank pembiayaan rakyat syariah di Indonesia. Esensi, 7(1), 49–62. https://doi.org/10.15408/ess.v7i1.4542Ichsan, Nurul. (2013). Pengelolaan likuiditas bank syariah. Al-Iqtishad: Jurnal Ilmu Ekonomi Syariah. 6(1), 82-103.Ismail, Rifki. (2011). The Indonesian Islamic banking theory and practices. Jakarta: Gramata Publishing.Karim, A. A. (2010). Bank islam (analisis fiqih dan keuangan). Jakarta: PT. Raja Grafindo Persada.Kasmir. (2014). Analisis laporan keuangan. Jakarta: PT Raja Grafindo Persada.Kumara, Melany Devinta. (2017). Pengaruh bank size dan portofolio kredit terhadap resiko kredit bermasalah. Skripsi tidak diterbitkan. Surabaya: Fakultas Ekonomi dan Bisnis Universitas Airlangga.Kurnia, Indra dan Wisnu Mawardi. (2012). Analisis Pengaruh BOPO, EAR, LAR dan firm size terhadap kinerja keuangan (studi kasus pada bank umum konvensional yang terdaftar di Bursa Efek Indonesia Periode 2008-2011). Diponegoro Journal of Management, 1(4), 49-57.Kurniawanti, A., & Zulfikar. (2014). Analisis faktor-faktor yang mempengaruhi volume pembiayaan berbasis bagi hasil pada bank umum syariah di Indonesia. Seminar Nasional dan Call For Paper. 145-164.Malede, Mitku. (2014). Determinants of commercial banks lending: evidence from Ethiopian Commercian Bank. European Journal of Business and Management, 6, 109-118.Muhammad. (2005). Manajemen bank syariah. Yogyakarta: UPP AMP YKPN.Muhammad. (2014). Manajemen dana bank syariah. Jakarta: Raja Grafindo Persada.Nurhalimah. T. P. (2005). Analisis faktor-faktor yang mempengaruhi pembiayaan bank syariah dalam upaya pengembangan usaha kecil di Sumatra Utara. Skripsi tidak diterbitkan. Medan: Universitas Sumatra Utara.Nurhasanah, L. (2009). Pengaruh kas, dana pihak ketiga, SWBI (Sertifikat Wadiah Bank Indonesia), marjin keuntungan, dan NPF (Non Performing Financing) terhadap pembiayaan murabahah. Skripsi tidak diterbitkan. Yogyakarta: Universitas Muhammadiyah Yogyakarta.Octavina. K. dan emile. S. D. (2012). Pengaruh kas, bonus SWBI (Sertifikat Wadiah Bank Indonesia), marjin keuntungan, dan dana pihak ketiga terhadap pembiayaan murabahah: Studi empiris pada bank umum syariah di Indonesia. Jurnal akuntansi & Investasi, 13(1), 53-67.Olokoyo, Felicia Omowunmi. (2011). Determinants of commercial bank lending behaviour in Nigeria. Intenational Journal of Financial Research, 2, 61-72.Pratin., dan A. Adnan. (2005). Analisis Hubungan simpanan, modal sendiri, npl, prosentase bagi hasil, dan markup keuntungan terhadap pembiayaan pada perbankan syariah studi kasus pada Bank Muamalat Indonesia (BMI). Kajian Bisnis dan Manajemen. Edisi Khusus on Finance, 35-52.PT Bank Mega Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.megasyariah.co.idPT Bank Muamalat Indonesia. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.bankmuamalat.co.idPT Bank Syariah Bukopin. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.syariahbukopin.co.idPT Bank Syariah Mandiri. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.mandirisyariah.co.idPT BCA Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.bcasyariah.co.idPT BNI Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.bnisyariah.co.idPT BRI Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.brisyariah.co.idPT Maybank Syariah. (2019). Laporan Triwulanan. Diakses pada 3 Januari 2020. https://www.maybanksyariah.co.idPurwanto, Rakhmat dan Endang Tri Widyarti. (2011). Analisis perbandingan efisisensi Bank Umum Konvensional (BUK) dan Bank Umum Syariah (BUS) di Indonesia dengan metode Data Envelopment Analysis (DEA) (Perode 2006-2010). Skripsi tidak diterbitkan. Semarang: Universitas Diponegoro.Qoyum, Abdul. (2010). Equity based financing policy, capital adequacy ratio discriminant and Islamic bank financing insurance corporation. Thesis. Kuala Lumpur: International Islamic University Malaysia.Schaik, D. (2001). Islamic banking. The Arab Bank Review, 3(1), 45-52.Safitri, I., Nadirsyah, N., & Darwanis, D. (2016). Pengaruh kinerja keuangan terhadap pembiayaan bank umum syariah di Indonesia (periode 2009-2013). Share - Jurnal Ekonomi Dan Keuangan Islam, 5(2), 155–164. https://doi.org/10.22373/share.v5i2.1239Siregar. N. (2005). Analisis faktor-faktor yang mempengaruhi penyaluran dana perbankan syariah di Indonesia. Skripsi tidak diterbitkan. Medan: Universitas Sumatra Utara.Umam, Khaerul. (2013). Manajemen perbankan syariah. Bandung: CV. Pustaka Setia.Verbeek, M. (2008). A guide to modern econometrics. New York: John Wiley & Sons.Wahyu, D. R. (2016). Financing To Deposit Ratio (FDR) sebagai salah satu penilaian kesehatan bank umum syariah (studi kasus pada bank BJB syariah cabang Serang). Jurnal Ekonomi Keuangan dan Bisnis Islam, 7(1), 19-36.Widarjono, Agus. (2013). Ekonometrika: Pengantar dan aplikasinya disertai panduan Eviews. Yogyakarta: UPP STIM YKPN.Zulkhibri, M. (2018). The impact of monetary policy on Islamic bank financing: bank-level evidence from Malaysia. Journal of Economics, Finance and Administrative Science, 23(46), 306–322. https://doi.org/10.1108/JEFAS-01-2018-0011
THE ANALYSIS OF THE BANKRUPTCY LEVEL OF SHARIA INSURANCE COMPANIES IN INDONESIA USING DISCRIMINANT ANALYSIS Ely Rahmawati; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 7 (2020): Juli-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss20207pp1412-1424

Abstract

This study aims to determine the effect of financial performance represented by liquidity ratios, investment and liability ratio, claim expenses, ROA, VOC, and company size on bankruptcy risk. This research was conducted on Islamic insurance companies registered with the Financial Services Authority in the period 2012 to 2018. The statistical model used to test the hypothesis in this study is discriminant analysis at the significance level of 5% (α = 0.05). The results showed that the ratio of investment and liability balances, the ratio of claims expenses, the ratio of return on assets (ROA), volume of capital (VOC) and company size significantly influence the risk of bankruptcy of Islamic insurance companies. However, the dominant financial performance ratios that form the discriminant function in Islamic insurance companies are return on assets, the ratio of claim expenses, and company size.Keywords: Financial Performance, Bankruptcy Risk, Altman Z-Score, Sharia Insurance Company
DETERMINANTS OF ISLAMIC BANKS’S FINANCIAL PERFORMANCE IN INDONESIA: INTELLECTUAL CAPITAL AND DISCLOSURE PERSPECTIVES Fajar Dysna Kurniawan; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 7 No. 10 (2020): Oktober-2020
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol7iss202010pp1929-1943

Abstract

ABSTRAKIntellectual Capital diakui oleh para ahli sebagai intangible asset yang mampu menciptakan nilai tambah dan meningkatkan daya saing bagi suatu korporasi. Tujuan dari penilitian ini adalah untuk menganalisi pengaruh atau hubungna anatara intellectual Capital (IC) dan ntellectual capital disclousre (ICD) terhadap kinerja keuangan perbankan syariah di Indonesia. Dengan model pengukuiran IC menggunakan model iB-VAIC (islamic bank-valuie added intellectual capital) dengan komponen (1) iB-VACA  (Vallue Added Capital Employed), (2) iB-VAHU (Vallue Added Human Capital ) dan (3) iB-STVA ( Structure Capital Vallue Added) . Proksi pengukuran kinerja keuangan menggunakan ROA (Return On Asset) dan ROE (Return On Equity).  Sampel dalam penelitian ini 10 Bank Umum Syariah , dengan menggunakan teknik purposive sampling  dengan kriteria tertentu untuk mengambil sampel Bank Umum Syariah yang akan dteliti. Metode analisis menggunakan regresi data panel. Hasil penelitian ini  dengan menggunakan empat model regresi menunjukkan hasil bahwa : (1)  IC dengan model  iB-VAIC berpnegaruh postif signifikan dengan ROA dan ROE. (2) Komponen IC iB-VACA,iB-VAHU dan iB-STVA berpengaruh positif signifikan dengan ROA dan ROE.(3) Sedangkan pengungkapan modal intelektual atau ICD menunjukkan hasil yang tidak signifikan terhadap ROA dan ROE. Kata kunci : Kinerja Keuangan, iB-VAIC (islamic bank - valuie added intellectual capital), iB-VACA  (Vallue Added Capital Employed), iB-VAHU (Vallue Added Human Capital ) dan iB-STVA ( Structure Capital Vallue Added ABSTRACTIntellectual Capital recognized by experts as intangible assets capable of creating added value and increasing competitiveness for a corporation. The purpose of this research is to analyze the influence or relationship between intellectual capital (IC) and intellectual capital disclosure (ICD) on the financial performance of Islamic banking in Indonesia. The IC engraving model uses the modeliB-VAIC (Islamic bank-value added intellectual capital) with components (1) iB-VACA (Vallue Added Capital Employed), (2) iB-VAHU (Vallue Added Human Capital) and (3) iB-STVA (Structure Capital Vallue Added). Proxies for measuring financial performance use ROA (Return On Assets) and ROE (Return On Equity). The samples in this study were 10 Sharia Commercial Banks, using purposive sampling techniques with certain criteria to take samples of Sharia Commercial Banks to be studied. The method of analysis uses panel data regression. The results of this study using four regression models showed the results that: (1) IC with a model that has a significant positive effect on ROA and ROE. (2) The IC component  iB-VAICiB-VACA,iB-VAHU dan iB-STVA has a significant positive effect on ROA and ROE  (3) While the disclosure of intellectual capital or ICD shows insignificant results on ROA and ROE.Keywords: Financial Performance, iB-VAIC (Islamic bank - value added intellectual capital), iB-VACA (Vallue Added Capital Employed), iB-VAHU (Vallue Added Human Capital) and iB-STVA (Structure Capital Value Added)
A Techno-Efficiency Analysis of Zakat Institutions in Indonesia Nikmatul Atiya; Tika Widiastuti; Eko Fajar Cahyono; Siti Zulaikha; Imron Mawardi
International Journal of Zakat Vol 5 No 3 (2020): International Journal of Zakat
Publisher : Center of Strategic Studies (PUSKAS) BAZNAS

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37706/ijaz.v5i3.249

Abstract

Zakat institutions play an important role in managing zakat effectively and efficiently as described in Law no. 23 of year 2011. This study aims to analyze the efficiency of zakat institutions in Indonesia and determine the best ranking of the units observed. This study uses a descriptive quantitative approach with the Super Efficiency Analysis. The study objects are BAZNAS, Rumah Zakat, Dompet Dhuafa, and YBM PLN with the 2016-2018 observation period. Personnel costs, operational costs, and socialization costs are input variables. While the output variables used are the amount of zakat collected and the amount of zakat distributed. The results of super-efficiency measurement show that the 3 best DMU rankings were achieved by YBM PLN 2016, BAZNAS 2018 and BAZNAS 2017. While the other 9 DMUs were inefficient. Inefficiency is due to the not optimal amount of zakat collected and zakat distributed and the high use of socialization costs. The variable of the amount of zakat collected is the most sensitive variable to the value of efficiency. To achieve performance efficiency, technology can be utilized to improve input and output. This research can be used as an evaluation material for zakat institutions to optimize efficiency. Keywords: Super Efficiency; Zakat Institution; Technology
The Effect of the Use of M-Payment, Islamic Financial Literacy, Locus of Control on the Financial Behavior Risna Yunia Rahma; Siti Zulaikha
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 5 (2022): September-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20225pp747-759

Abstract

ABSTRAK Riset ini bertujuan untuk mendapatkan fakta empiris pengaruh penggunaan m- payment, literasi keuangan syariah, locus of control terhadap perilaku keuangan mahasiswa muslim Surabaya sepanjang pandemi Covid- 19. Riset ini ialah riset kuantitatif. Metode pengambilan sampel dilakukan dengan purposive sampling, kepada 119 mahasiswa muslim Surabaya yang memakai mobile payment. Metode analisis yang digunakan merupakan Structural Equation Modelling-Partial Least Square (SEM-PLS). Hasil riset ini menampilkan bahwa penggunaan m-payment mempengaruhi positif serta signifikan terhadap perilaku keuangan, literasi keuangan syariah mempengaruhi positif serta signifikan terhadap perilaku keuangan, serta economic locus of control mempengaruhi positif serta signifikan terhadap perilaku keuangan. Riset ini mempunyai implikasi bahwa literasi keuangan syariah merupakan aspek yang sangat mempengaruhi dalam menunjang perilaku keuangan seorang, dimana dengan literasi keuangan syariah yang baik diiringi keahlian dalam mengambil keputusan keuangan dapat menghasilkan industri keuangan yang sehat. Walaupun tingkat literasi keuangan syariah mahasiswa muslim Surabaya terletak pada tingkat yang baik, diharapkan pelaku industri keuangan senantiasa mengedukasi warga khususnya mahasiswa dan menyadari bahwa perilaku keuangan sangatlah penting. Riset ini terbatas pada penyebaran sampel yang tidak menyeluruh serta tidak mempertimbangkan bagaimana perilaku keuangan responden saat sebelum pandemi Covid-19 terjadi. Kata Kunci: Mobile payment, Literasi Keuangan Syariah, Locus of control, Perilaku Keuangan.   ABSTRACT This research aims to obtain empirical facts about the effect of using m-payments, Islamic financial literacy, locus of control on the financial behavior of Surabaya Muslim students during the Covid-19 pandemic. This research is quantitative research. The sampling method was carried out by purposive sampling, to 119 Muslim students in Surabaya who used mobile payments. The analytical method used is Structural Equation Modeling-Partial Least Square (SEM-PLS). The results of this study show that the use of m-payment has a positive and significant effect on financial behavior, Islamic financial literacy which has a positive and significant influence on financial behavior, and economic locus of control which has a positive and significant influence on financial behavior. This research shows that Islamic financial literacy is a very influential aspect in supporting the behavior of an employee, where good Islamic financial literacy is accompanied by financial decision results that can produce a healthy financial industry. Although the level of Islamic financial literacy of Surabaya Muslim students is at a good level (well literate), it is hoped that the financial industry players will educate citizens, especially students, and realize that financial behavior is important. This research is limited to a sample distribution that is not comprehensive and does not take into account the financial behavior of respondents before the Covid-19 pandemic occurred. Keywords: Mobile payment, Islamic Financial Literacy, Locus of control, Financial behavior.   DAFTAR PUSTAKA Dew, J., & Xiao, J. (2011). The financial management behavior scale: Development and validation. Journal of Financial Counseling and Planning, 22(1), 43-59. Grable, J., Joo-yung P., & So-Hyun J. (2009). Explaining financial management behavior for Koreans living in the United States. The Journal of Consumer Affairs, 43(1), 80-107. Ida, I., & Dwinta, C. Y. (2010). Pengaruh locus of control, financial knowledge, income terhadap financial management behavior. Jurnal Bisnis dan Akuntansi, 12(3), 131-144. https://doi.org/10.34208/jba.v12i3.202 Kholilah, N. A., & Iramani. (2013). Studi financial management behavior pada masyarakat Surabaya. Journal of Business and Banking, 3(1), 69-80. http://dx.doi.org/10.14414/jbb.v3i1.255 Liu, T., Pan, B., & Yin, Z. (2020). Pandemic, mobile payment, and household consumption: Micro-evidence from China. Emerging Markets Finance and Trade, 56(10), 2378-2389. https://doi.org/10.1080/1540496X.2020.1788539 Patil, P., Tamilmani, K., Rana, N. P., & Raghavan, V. (2020). Understanding consumer adoption of mobile payment in India: extending meta-utaut model with personal innovativeness, anxiety, trust, and grievance redressal. International Journal of Information Management, 54, 1-16. https://doi.org/10.1016/j.ijinfomgt.2020.102144 Perry, V. G., & Morris, M. D. (2005). Who is in control? The role of self-perception, knowledge, and income in explaining consumer financial behavior. The Journal of Consumer Affairs, 39(2), 299-313. https://psycnet.apa.org/doi/10.1111/j.1745-6606.2005.00016.x Rahim, S. H. A., Rashid, R. A., & Hamed, A. B. (2016). Islamic financial literacy and its determinants among university students: An exploratory factor analysis. International Journal of Economic and Financial Issues, 6(S7), 32-35. Salamanca, N., de Grip, A., Fouarge, D., & Montizaan, R. (2020). Locus of control and investment in risky assets. Journal of Economic Behavior and Organization, 177, 548-568. https://doi.org/10.1016/j.jebo.2020.06.032 Sapir, A. S. M., & Ahmad, W. M. W. (2019). Financial literacy among Malaysian muslim undergraduates. Journal of Islamic Accounting and Business Research, 11(8), 1515-1529. https://doi.org/10.1108/JIABR-10-2017-0149 Sugiyono. (2017). Metode penelitian kuantitatif, kualitatif, dan R&D. Bandung: Alfabeta. Xiao, J. J. (2008). Applying behavior theories to financial behavior. In Handbook of Consumer Finance Research, chapter 5. 10.1007/978-0-387-75734-6_5 Zulaihati, S., Susanti, S., & Widyastuti, U. (2020). Teachers’ financial literacy: Does it impact on financial behavior? Management Science Letters, 10, 653-658. http://dx.doi.org/10.5267/j.msl.2019.9.014
Hubungan Faktor Predisposisi, Pendukung dan Kebutuhan dengan Pemanfaatan Puskesmas oleh Penderita Hipertensi Siti Zulaikha; Dita Aulia Rahma
JIIP - Jurnal Ilmiah Ilmu Pendidikan Vol. 6 No. 5 (2023): JIIP (Jurnal Ilmiah Ilmu Pendidikan)
Publisher : STKIP Yapis Dompu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54371/jiip.v6i5.2062

Abstract

Indikator pencapaian pelayanan kesehatan bagi penderita hipertensi di Puskesmas Padang Kabupaten Lumajang hanya mencapai 9,47% dari target 100% pada tahun 2021. Penyebabnya karena hanya 299 dari 820 penderita hipertensi yang memanfaatkan Puskesmas Padang untuk kontrol dan berobat. Tujuan dari penelitian ini adalah untuk mengetahui faktor-faktor yang berhubungan dengan pemanfaatan Puskesmas Padang oleh penderita hipertensi yang mencakup faktor predisposisi, pendukung, dan kebutuhan. Metode penelitian yang digunakan adalah observasional analitik dengan desain cross sectional. Tahapan penelitian yang dilakukan yaitu: (1) Identifikasi masalah, (2) Menentukan populasi dan sampel penelitian dengan teknik simple random sampling, (3) Menyusun kuisioner penelitian, (4) Uji validitas dan reabilitas kuisioner, (5) Pengumpulan data, (6) Analisis data menggunakan uji chi-square dan uji alternatif Kolmogrof-Smirnov, dan (7) Penyajian data. Hasil penelitian menunjukkan bahwa ada hubungan antara faktor predisposisi yaitu jenis kelamin (p=0,004) dan pengetahuan tentang hipertensi (p=0,000); faktor pendukung yaitu kepemilikan asuransi kesehatan (p=0,000) dan aksesibilitas geografis (p=0,001); dan faktor kebutuhan yaitu persepsi berhubungan dengan penyakit yang dirasakan (p=0,001) dengan pemanfaatan Puskesmas Padang oleh penderita hipertensi.
Co-Authors Alien Lilavira Dinayatin Umaroh Dita Aulia Rahma Eko Fajar Cahyono, David Kaluge Ely Rahmawati Fajar Dysna Kurniawan Faris Kurnia Hakim Imron Mawardi Mauizhotul Hasanah Muchammad Atho'ur Rohman Nikmatul Atiya Novrina Atika Putri Risna Yunia Rahma Tika Widiastuti