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ANALISIS PERBANDINGAN KINERJA KEUANGAN SEBELUM DAN SESUDAH PENERAPAN MOBILE BANKING Siagian, Kevin Adriel; Manzilati, Asfi
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.1.10

Abstract

The purpose of this study is to identify financial performance differences of Bank Negara Indonesia before and after the application of Mobile Banking. This research period is six years before (2010 – 2015) and six years after (2016 – 2021) implementation of Mobile Banking. Financial performance was analyzed from the aspects of capital (CAR), productive assets (NPL), profitability (ROA), efficiency cost (OER), and liquidity (LDR). Normality test showed that CAR and NPL was tested using Paired sample t-test. Meanwhile ROA, BOPO, and LDR were tested using Wilcoxon signed-rank test. SPSS 25 was used for data processing. This study finds that OER does not show difference in financial performance before and after application of Mobile Banking. In NPL, there’s a slightly decreased after Mobile Banking application, considered as insignificant. CAR and LDR indicate an increase in financial performance. ROA significantly decreased after the application, which caused by high cost of application development and short period of the research. This study recommends banking companies, particularly Bank Negara Indonesia, to promote activation of Mobile Banking. Furthermore, security issues are crucial for both public and banks. Implementing proactive cybersecurity, policy harmonization, and increasing people awareness concerning cyberattack can serve protection for both banks and customers.
ANALISIS PERILAKU KONSUMEN TERHADAP PENGGUNAAN PLATFORM DIGITAL BANK (Studi Pada Generasi Z Kota Malang) Calista Donabella, Belinda; Manzilati, Asfi
Contemporary Studies in Economic, Finance and Banking Vol. 1 No. 2 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2022.01.2.04

Abstract

Technology and an increasingly developing economy that has an efficient impact on the use of cash. When using cash to transact with a large enough value it becomes inefficient. Crimes such as robbery, theft and counterfeiting cause people to have a fear of storing or carrying large amounts of cash. The purpose of this study was to determine how the influence of service quality, convenience, innovation, and trust on customer satisfaction in using the bank's digital platform. The research sample used was 200 people from Generation Z in Malang City. The research method used is a type of quantitative research with data analysis techniques using logistic regression. The results show that simultaneously service quality and convenience have an effect on customer satisfaction in using the bank's digital platform, while partially innovation and trust have no significant effect on customer satisfaction in using the bank's digital platform. banks need to increase innovation through digital banks they have and provide.
STUDI KOMPARASI KINERJA SAHAM UNGGUL DAN SAHAM LIKUID SEBELUM DAN SAAT PANDEMI Jayanti, Dwi Nur; Manzilati, Asfi
Contemporary Studies in Economic, Finance and Banking Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/csefb.2023.02.2.04

Abstract

The pandemic Covid-19 is a pandemic that attacks public health so that it has an impact on the economy, especially the capital market. The pandemic Covid-19 resulted in a weakening of the IHSG by up to 26.96%, apart from the weakening of the IHSG there were superior and liquid stocks which were the stocks most in demand by investors because they had the best performance and had a high probability of providing high profits. The purpose of this research is to compare the performance of superior stocks and liquid stocks before and during the pandemic by using stock returns, transaction volume and stock risk. By using the Wilcoxon rank test method. The results of this study indicate that stock performance through stock returns on superior stocks does not have a significant effect and there is a decrease during a pandemicc, while liquid stock returns also do not have a significant effect but there is a slight increase during a pandemic, the transaction volume of superior stocks and liquid stocks has a significant effect and occurs an increase in transaction volume during a pandemic, the risk of superior stocks and liquid stocks also has a significant influence and there is an increase in risk during a pandemic.
PENERIMAAN APARATUR SIPIL NEGARA (ASN) KABUPATEN BONDOWOSO TERHADAP KONSEP WAKAF PRODUKTIF Sabila, Shafira Fathia; Manzilati, Asfi
Islamic Economics and finance in Focus Vol. 1 No. 1 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2022.01.1.04

Abstract

Productive Waqf in Bondowoso is still relatively low compared to other surrounding areas. This may be due to the perception of the Bondowoso community that only looks at waqf and the number of people who also do not fully understand the meaning of waqf. One of the major contributors to productive waqf is the State Civil Apparatus (ASN). However, not every ASN who is waqf has a sufficient understanding of waqf. Therefore, the researcher conducted a study of Bondowoso Regency State Civil Apparatus Acceptance (ASN) Against the Productive Waqf Concept with the aim of knowing the effect of the level of understanding, the level of religiosity and information media on the acceptance of the productive waqf concept. This study uses quantitative research methods using primary data obtained by distributing questionnaires to ASN Kab. Bondowoso in the Regional Secretariat. The sample selection used purposive sampling technique with a total of 102 samples. The results obtained are 16 respondents who do not accept the concept of productive waqf and 86 respondents who accept the concept of productive waqf. So the ASN acceptance of the concept of productive waqf is divided into two, some reject and some accept. The level of understanding, the level of religiosity and the information media have an influence on the acceptance of the concept of productive waqf.
IMPLIKASI SOSIAL EKONOMI PONDOK PESANTREN TERHADAP EKONOMI MASYARAKAT: Studi di Pondok Modern Darussalam Gontor Putri di Kec. Mantingan, Kab. Ngawi, Jawa Timur Fajari, Alfiani Bintang; Manzilati, Asfi
Islamic Economics and finance in Focus Vol. 2 No. 2 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.02.12

Abstract

Humans are social creatures so each individual will always interact with one another in meeting their needs. This interaction has a socio-economic impact on other communities. Pondok Modern Darussalam Gontor Putri which is located in Mantingan also interacts with the community which has an impact on its surroundings. Therefore, this research wants to find out how to realize the social economy of Islamic boarding schools to the community's economy. The method used in this research is the case study method. The results of the study found that Islamic boarding schools also had an impact on the socio-economic community. The economic impact arising from the interaction between the community and the cottage is to create jobs and generate a desire to open businesses such as lodging, stalls, and laundries to meet the needs of migrants related to the cottage. Apart from that, the social relationship between Pondok and pesantren has more impact on education and the religious community with the dedication carried out by ustadz and ustadzah Gontor at the TPA and MI which were founded by Pondok Gontor. The relationship between Pondok Gontor and the community has also experienced several problems regarding Pondok's land being used by the community. In their settlement, they consult with each other and then settle it legally if there is no common ground for agreement  
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI MINAT MAHASISWA DALAM BERINVESTASI SUKUK NEGARA RIZKY ADITYA, DEANDRA; Manzilati, Asfi
Islamic Economics and finance in Focus Vol. 2 No. 1 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.01.15

Abstract

Sukuk is one of the sharia -based investment instruments that are experiencing an increase in Indonesia. This is inseparable from the start of the public's consciousness of investing, one of which is through sukuk especially the country's sukuk. From this phenomenon, an analysis is needed to find out the factors influence the interest of Islamic economics students at Brawijaya University in investing in the country's sukuk because besides being an Indonesian society, the Islamic Economics students of Brawijaya University also studied about sharia products in lectures so that they are relevant when research is conducted. The purpose of this research is to determine the effect both partially and simultaneously from the motivational factor, knowledge factors, and risk preference factors for student investment interest in sukuk. Technique Data collection using incidental sampling techniques or non probability sampling because of students what is studied must meet the requirements to have taken the Fiqh Muamalat course not yet clearly known. Data collection was obtained by distributing questionnaires to 82 Islamic economics students through google form. The statistical methods used are descriptive analysis and logistical regression analysis with testing hypothesis uses statistical tests t. The results of this study indicate that simultaneously, motivational factors, knowledge, and risk preferences have a positive effect on the interests of students to invest in sukuk. However, partially only motivational factors
TELAAH MAQASHID SYARIAH DALAM KEGIATAN EKONOMI PETANI TAMBAK DI DESA PANGKAHWETAN GRESIK Mashudi, Ahmad; Manzilati, Asfi
Islamic Economics and finance in Focus Vol. 2 No. 4 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2023.02.04.03

Abstract

Pond business is a form of economic business activity, in which humans manage, manage and control fishery biological resources wisely to gain more profits and to improve the standard of living of a farmer. Management of natural resources should be managed optimally by means of good and correct management. The formulation of the problem in this study is what is the role of pond farmer businesses in implementing maqashid sharia on the basis of implementing Islamic philanthropy in Pangkahwetan Village, Ujungpangkah District, Gresik Regency. This study aims to determine the application of maqashid sharia, by analyzing the methods and applications carried out by pond farmers towards Islamic philanthropy. This research is a field research (field research). The method used is to use a qualitative approach through a case study approach to economic relations by collecting data through interviews, observation and documentation. The informants of this study were determined using a purposive sampling method so that only certain informants were used as informants in the study.  
ANALISIS PERILAKU EKONOMI RUMAH TANGGA PETANI JAGUNG DI DESA BANYUBANG BERDASARKAN PERSPEKTIF EKONOMI ISLAM Ah Miftahul Alim; Asfi Manzilati
Islamic Economics and finance in Focus Vol. 3 No. 2 (2024)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Brawijaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ieff.2024.03.02.12

Abstract

The research aims to understand the economic behavior of farmer households based on Islamic economic views. So that it can provide a broader perspective on how to address economic problems, especially in rural areas by considering the principles of justice, sustainability, and balance between worldly and spiritual needs. Quantitative methods with descriptive analysis and average difference tests as analytical tools. The analysis results show that the economic behavior of farmer households in Banyubang village in terms of income comes mostly from corn production, around 37% of farmers have off-farm income and 29% of farmers have non-farm income. After testing, the results were obtained that there were differences in the consumption of farmer households in Banyubang Village before and after harvest. The condition of economic behavior of farmer households in Banyubang Village is based on the Islamic economic perspective, it can be seen that farmer households implement production and consumption activities based on Islamic law, such as producing halal goods, using capital free from usury and farmer households in Banyubang Village live economically without being wasteful and allocate income for needs in accordance with Islamic law such as zakat, infaq and shodaqoh.
Do Institutional and Banking Cost Affect Investment in ASEAN? Manzilati, Asfi; Prestianawati, Silvi Asna; Imamia, Tsumma Lazuardini
International Journal of Accounting and Finance in Asia Pasific (IJAFAP) Vol 5, No 1 (2022): February 2022
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/ijafap.v5i1.1409

Abstract

ASEAN is one of the actors in the world economy. With the launch of Forging Ahead Together, it is hoped that ASEAN can strengthen its economy and attract foreign investors to invest. The entry of large foreign investment into ASEAN is an opportunity for global investors. On the other hand, the factors that affect investment are from economic as well as non-economic. One important economic factor is banking costs because investment activities are inseparable from the presence of the financial sector which can cause costs and prices. Meanwhile, non-economic factors include institutional costs arising from the quality of a country's governance. This study uses a quantitative approach with panel regression analysis method to determine whether economic factors, namely bank costs or non-economic factors, affect the level of investment in ASEAN countries.
Implications of The Development of The Mandalika Circuit For The Economic And Social Community Aulad, Afdalul; Manzilati, Asfi
Journal of International Conference Proceedings Vol 6, No 3 (2023): 2023 ICPM Penang Proceeding
Publisher : AIBPM Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32535/jicp.v6i3.2501

Abstract

This research aims to identify and analyze the implications of building the Mandalika circuit for the economy and society. The method used in this study is descriptive qualitative, with data collection through interviews. The results of this study are Culture is the whole system of ideas, actions and results of human work in the life of society which is made the property of humans by learning. As for human actions which are not learned, such as instinctive actions, some reflexes, some human actions which are instinctual abilities that are carried in the genes with their birth (such as eating, drinking, or walking on their two legs), are also remodeled by them into cultural actions.
Co-Authors Abdillah, Muqaffi Abu Bakar Abu Bakar Sambah, Abu Bakar Adam Apriliyadi Agus Suman Ah Miftahul Alim Ahmad Djalaluddin Ahmad Erani Yustika Ahmad Syatir Ajeng Kartika Galuh Aji Dedi Mularwaman Amelia Priharsanti An'im Kafabih An'im Kafabih Anisa Fitria Utami Anisa Fitria Utami Anthon Efani Ari Kamayanti Arrum Mahmudahningtyas Aryo Galih Saloko Aryo Saloko Aulad, Afdalul Awang Tri Satria Bambang Agoes Hermanto Bayu Krisnamurthi Bella Myirandasari Bunga Hidayati Bunga Hidayati Burhan M. Umar Calista Donabella, Belinda Darti Djuharni DAVID KALUGE di, Supar Dias Satria Eka Dirgantara Aquino ELINA R SITUMORANG Esha Najitama Estu Unggul Drajat Estu Unggul Drajat, Estu Unggul Fadjar Setiyo Anggraeni Fahrizal, Muhamad Reza Faizaturrodhiah, Nur Fajari, Alfiani Bintang Fatik Noviono Utomo Fauzi, Dekky Gazi, Ananta Ghazela, Jehan Putri Ghozali Maski Ghozali Maski Girindra Mega Paksi Hanif Kautsar Rahmanda Yuna Ikrar Adina Panuntun Imamia, Tsumma Lazuardini Istiasih, Shitny Dwi Iswan Noor Jayanti, Dwi Nur Jayawarsa, A.A. Ketut Kafabih, An'im Kafabih, An'im Kartikasari, Dhian Khusnul Ashar Khusnul Ashar Khusnul Ashar Khusnul Ashar Kusairi Kusairi Laili Hurriati Listiyanto, Eko Lutfillah, Novrida M Fadli M. Firmansyah M. Firmansyah M. Pudjihardjo M. Tamim Syaifullah M. Umar Burhan Maftuch - Marlina Ekawaty Maryunani Maryunani, Maryunani Mashudi, Ahmad Mega Ria Misbakhul Munir Moch. Bukhori Muslim Mochamad Tamim Syaifullah Moh Agus Nugroho Moh. Khusaini Moh. Shadiqur Rahman Muhamad Reza Fahrizal Muhammad Dandy Alif Wildana Muhammad Faisal Riza Muhammad Zamroni Mahfudh Multifiah . Multifiah Multifiah Munawar Ismail Munawar Ismail Nabila, Ulfa Nina Andriyani, Nina Nurman Setiawan Fadjar Nurul Badriyah Patricia Diella Budiarto Prahara, Rahma Sandhi Rahel Kimbal Ratri, Devita Rahmani Rina Oktavia Riniati RIZKY ADITYA, DEANDRA Rosyidah, Lathifatul Sabila, Shafira Fathia Sari, Mariyana Siagian, Kevin Adriel Silvi Asna Prestianawati Siti Rohima Siti Rohima Sonhaji *), Ferra Ika Wardani Solechan Sri Muljaningsih Sri Muljaningsih Sudarman, Suhaily Supar di Suprayogi Suprayogi Suprayogi Suprayogi Susilo Susilo Syamsuri, Asyila Muthi'ah Syatir, Ahmad Tita Hariyanti Tsumma Lazuardini Imamia Tsumma Lazuardini Imamia Tumirin Tyas D. Hascaryani Tyas Danarti Uma Adi Kusuma Umar Burhan Umar Burhan Umar Burhan, Umar Virginia Nur Rahmanti Virginia Nur Rahmanti Wicesa, Nayaka Artha Widodo Mardi Santoso, Widodo Mardi Winda Wahyu Widyasari Yenny Kornitasari Yenny Kornitasari Yenny Kornitasari, Yenny Yogi Pasca Pratama, Yogi Pasca Yuna, Hanif Kautsar Rahmanda