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All Journal Jurnal Manajemen dan Bisnis Indonesia JMM (Jurnal Masyarakat Mandiri) TIJAB (The International Journal of Applied Business) Darmabakti Cendekia: Journal of Community Service and Engagements Jurnal Layanan Masyarakat (Journal of Public Service) Share: Jurnal Ekonomi dan Keuangan Islam BISMA (Bisnis dan Manajemen) Indonesian Capital Market Review Jurnal Pengabdian Masyarakat Bangsa eJEBA
Kholidah, Himmatul
Universitas Airlangga
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Civil Engineering, Building, Construction & Architecture Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Energy Engineering Environmental Science Health Professions Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Mathematics Medicine & Pharmacology Nursing Physics Public Health Social Sciences Other

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Nexus between Sharia Governance and Financial Performance: Evidence from Indonesian Islamic Banking Hijriah, Hanifiyah Yuliatul; Kholidah, Himmatul; Alkausar, Bani; Laila, Nisful; Al Mustofa, Muhammad Ubaidillah
Share: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2024)
Publisher : Faculty of Islamic Economics and Business, Universitas Islam Negeri Ar-Raniry

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22373/share.v13i1.20233

Abstract

ABSTRACT – This study critically evaluates the effectiveness of Islamic governance on the financial performance of Islamic banks in Indonesia. Due to the absence of regulations defining optimal Sharia Supervisory Board (SSB) structure and qualifications, the research explores the empirical relationship between SSB characteristics and financial performance. Using a quantitative approach, the study analyzes data from 14 Islamic banks over a seven-year period (2014-2020). Multiple regression analysis reveals that SSB size, educational background, and financial/accounting expertise have minimal impact on financial performance. Interestingly, cross-membership on SSBs is found to have a negative effect. These findings, coupled with the observation of SSBs often lacking banking and finance backgrounds, suggest a potential disconnect between Sharia governance and managerial activities. The study advocates for clear and comprehensive regulations to strengthen SSB composition and competence, ultimately promoting the sustainable development of Islamic banking in Indonesia.========================================================================================================ABSTRAK – Hubungan Antara Tata Kelola Syariah dan Kinerja Keuangan: Bukti dari Perbankan Syariah Indonesia. Studi ini secara kritis mengevaluasi efektivitas tata kelola Syariah terhadap kinerja keuangan perbankan syariah di Indonesia. Mengingat belum adanya peraturan yang mengatur struktur minimum dan kualifikasi optimal Dewan Pengawas Syariah (DPS), penelitian ini bermaksud mengkaji secara empiris empiris hubungan antara karakteristik DPS dan kinerja keuangan. Dengan menggunakan pendekatan kuantitatif, penelitian ini menganalisis data dari 14 bank Islam selama tujuh tahun (2014-2020). Hasil analisis regresi berganda menunjukkan bahwa ukuran DPS, latar belakang pendidikan, dan keahlian keuangan dan akuntansi kurang memiliki dampak terhadap kinerja keuangan perbankan syariah. Menariknya, cross-membership pada DPS ditemukan memiliki efek negatif. Temuan ini, ditambah dengan pengamatan terhadap DPS yang seringkali tidak memiliki latar belakang perbankan dan keuangan, menunjukkan potensi keterputusan antara tata kelola Syariah dan aktivitas manajerial. Studi ini merekomendasikan adanya peraturan yang jelas dan komprehensif untuk memperkuat komposisi dan kompetensi DPS, yang pada akhirnya mendorong pengembangan bank syariah yang berkelanjutan di Indonesia.
Personal Bankruptcy: A Bibliometric Analysis and Future Research Directions MD SAHIQ, AQILAH NADIAH; SARKAM, SAIDA FARHANAH; MOHD HIDZIR, PUTRI ALIAH; YAAKUB, NURWAHIDA; ISMAIL, SHAFINAR; SABRI, NURBAITY; HIJRIAH, HANIFIYAH YULIATUL; KHOLIDAH, HIMMATUL
Indonesian Capital Market Review Vol. 17, No. 2
Publisher : UI Scholars Hub

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Abstract

Personal bankruptcy is a pertinent topic to discuss due to the surge in personal bankruptcy cases around the world and it is an important indicator of household financial problems nationally. However, only few comprehensive reviews have been conducted to date. Hence, this study provides a bibliometric review of 210 studies on personal bankruptcy authored by 496 scholars. Bibliographical data were extracted from the Scopus database and analyzed it using the Bibliometrix-R software. Based on the citation analysis metrics, we revealed the most influential articles, journals, authors, and institutions. Using the network and conceptual structure analysis, we identified three underlying research clusters: (1) student loan default, (2) financial psychology, and (3) personal bankruptcy law; and three emerging research clusters: (1) credit scoring, (2) machine learning, and (3) data mining. The results of our study provide valuable insights to readers, in gleaning a general overview of the research landscape, including the historical evolution, potential collaboration partners, and the future research direction of the personal bankruptcy study. The implications of the study include further exploration of under-researched areas, especially the integration of advanced technologies like artificial intelligence and data analytics in managing personal bankruptcy issues. By uncovering trends and emerging technologies (e.g., machine learning and data mining), the study may guide policymakers, financial institutions, and other stakeholders in addressing household financial problems and improving bankruptcy-related processes.
OPTIMALISASI PENGELOLAAN KEUANGAN DAN PENGUATAN LITERASI KEUANGAN PADA BADAN USAHA MILIK DESA Hanif Fadhlillah; Hanifiyah Yuliatul Hijriah; Himmatul Kholidah
JMM (Jurnal Masyarakat Mandiri) Vol 8, No 5 (2024): Oktober
Publisher : Universitas Muhammadiyah Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jmm.v8i5.26606

Abstract

Abstrak: BUMDes adalah instrumen yang mendukung pembangunan ekonomi yang berkelanjutan. Namun, pengelolaan keuangan yang kurang optimal dan rendahnya literasi keuangan di tingkat desa seringkali menjadi kendala dalam mencapai tujuan tersebut. Kegiatan ini bertujuan untuk mengidentifikasi dan mengevaluasi strategi untuk mengoptimalkan pengelolaan keuangan BUMDes melalui penguatan soft skill maupun hard skill peserta yang diterima melalui rangkaian pendampingan ini. Hal ini tergambar melalui metode kegiatan berupa pelaksanaan pendampingan pengelolaan keuangan dan literasi keuangan kepada 25 peserta yang terdiri dari pengurus dan anggota BUMDes, perangkata desa serta masyarakat sekitar Desa Suwayuwo Jawa Timur. Adapun peserta kegiatan ini mengikui tahapan pre-test, penyampaian materi dan pendampingan praktik langsung, dan post-test sekaligus survey evaluasi terkait materi pengelolaan keuangan BUMDes dan literasi keuangan yang memuat keseluruhan 20 pertanyaan. Data yang dikumpulkan juga didukung dengan tahapan wawancara mendalam, observasi, dan analisis dokumen terkait pengelolaan keuangan BUMDes. Hasil yang telah dicapai dari hasil pre-test dibandingkan dengan hasil post-test menunjukkan bahwa terdapat peningkatan rata-rata sebesar 2,07 persen melalui materi yang disampaikan. Implementasi pendampingan ini dapat mendorong optimalisasi pengelolaan keuangan serta peningkatan literasi keuangan yang ditunjukkan melalui penerapan sistem pencatatan dan pelaporan keuangan yang lebih transparan dan akuntabel, peningkatan kapasitas pengelola BUMDes serta integrasi teknologi informasi dalam proses pengelolaan keuangan baik bagi BUMDes maupun secara individu.Abstract: BUMDes is an instrument that supports sustainable economic development. However, suboptimal financial management and low financial literacy at the village level often become obstacles in achieving those goals. This activity aims to identify and evaluate strategies to optimize BUMDes financial management through strengthening the soft skills and hard skills of participants received through this series of mentoring. This is illustrated through the activity method in the form of implementing financial management and financial literacy assistance to 25 participants consisting of BUMDes administrators and members, village officials and the community around Suwayuwo Village, East Java. The participants of this activity took part in the pre-test stages, delivery of materials and direct practical mentoring, and post-test as well as an evaluation survey related to BUMDes financial management and financial literacy materials containing a total of 20 questions. Data was collected through in-depth interviews, observations, and analysis of documents related to the financial management of BUMDes. The pre-test results compared to the post-test show that there is an average increase of 2.07 percent through the material presented. The implementation of this training can encourage the optimization of financial management and increase financial literacy as demonstrated through the implementation of a more transparent and accountable financial recording and reporting system, increasing the capacity of BUMDes managers and integrating information technology in the financial management process for both BUMDes and individuals.
Co-Authors Al Mustofa, Muhammad Ubaidillah Bani Alkausar Bani Alkausar, Bani Dina Fitrisia Septiarini, Dina Fitrisia Hanif Fadhlillah Hanifiyah Yuliatul Hijriah, Hanifiyah Yuliatul Ismail, Shafinar M. Madyan Maulidiyah Maulidiyah MD SAHIQ, AQILAH NADIAH Md. Sahiq, Aqilah Nadiah MOHD HIDZIR, PUTRI ALIAH Muhammad Madyan Muhammad Madyan, Muhammad Nisful Laila Pratiska, Riska Gita Riska Gita Pratiska Sabri, Nurbaity SARKAM, SAIDA FARHANAH Soemarsono, Prinintha Nanda Taufik Bahtera, Novyandri YAAKUB, NURWAHIDA