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All Journal Jurnal EMT KITA J-EBIS (Jurnal Ekonomi dan Bisnis Islam) Jurnal Ekonomi & Keuangan Islam E-Mabis: Jurnal Ekonomi Manajemen dan Bisnis Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam JURMA : Jurnal Program Mahasiswa Kreatif An-Nisbah : Jurnal Perbankan Syariah Jurnal Pengabdian Masyarakat Nusantara INVOICE : JURNAL ILMU AKUNTANSI Iqtishodiyah : Jurnal Ekonomi dan Bisnis Islam Journal of Trends Economics and Accounting Research Jurnal Ekonomi Pertanian Unimal el-Amwal Ecobankers : Journal of Economy and Banking
Ahmad Fauzul Hakim Hasibuan
Universitas Malikussaleh
Religion Agriculture, Biological Sciences & Forestry Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Languange, Linguistic, Communication & Media Library & Information Science Public Health Social Sciences Other

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Analysis of Financial Reports in Measuring Performance in Sharia Banks Fauzul Hakim Hasibuan; Listia Kumalasari; Rini Rosita Br Ritonga; Asrul Fauzan
INVOICE : JURNAL ILMU AKUNTANSI Vol 5, No 2 (2023): September 2023
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

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Abstract

Analysis of a financial statement is like looking at the report cards for a company's money. It helps people inside and outside the company make decisions. By using different mathematical tools, we can understand how well the company is performing in the future and how it will perform in the future. We use a variety of ways to measure money, such as looking at how much money a company has compared to how much it owes or how much money it makes compared to how much it spends. Financial statement analysis is closely related to the field of accounting. The company's financial statements can be analyzed using several financial ratios, with the analysis of these financial statements it can be seen the condition and development of the company that has been achieved by the company in the past and when it is currently running, both private business entities and state-owned companies. The financial statements that have been analyzed can be used as an auxiliary fund for making company managerial decisions. Analysis of financial statements is basically to find out and evaluate a company's financial statements to predict the condition of the company's financial performance in the future which also aims to provide more consideration for companies with higher levels of profitability. and the level of risk.
Comparison Of BRI Bank Portfolio Performance With BSI In Investment Decisions For Investors (2021) Fauzul Hakim Hasibuan; Dilla Amanda; Munawar Khalil Nasution; Putri Zahratul Jannah
INVOICE : JURNAL ILMU AKUNTANSI Vol 5, No 2 (2023): September 2023
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

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This study sets out to comprehensively analyze the viability of investing in Islamic banks as a sound financial decision and to evaluate their competitiveness in comparison to conventional bank portfolios. To achieve this objective, the research encompasses a diverse set of financial instruments and performance metrics. The research sample primarily revolves around the stock prices of two prominent banks in Indonesia, namely BRI (Bank Rakyat Indonesia) and BSI (Bank Syariah Indonesia), during the year 2021. In addition to these, the IHSG (Indonesia Stock Exchange Composite Index) serves as the market return indicator for BRI's portfolio. Furthermore, the benchmark interest rate from Indonesia is utilized as the risk-free rate (Rf) in the calculations. For BSI's portfolio, SBIS (Syariah Benchmark Indonesia) is employed as an alternative to Rf, and JII (Jakarta Islamic Index) is designated as the market return indicator. The assessment of the portfolio performance is conducted using three key index formulas: the Treynor index, the Sharpe index, and the Beta Jensen index. Importantly, the research findings reveal that BSI demonstrates superior performance compared to BRI when assessed using these three index formulas. This evaluation was conducted using the Security Characteristic Line (SCL) and the Security Characteristic Adjustment Performance Model (SCAPM) method, as opposed to BRI's portfolio evaluation using the more conventional CAPM (Capital Asset Pricing Model) formula. These results suggest that investing in Islamic banks, represented by BSI in this study, can indeed yield favorable outcomes, highlighting their potential as a competitive and promising investment option in the financial landscape.
Financial Performance Analysis of Indonesian Sharia Commercial Bank’s Using the Islamic Index Approach in 2019-2022 Ahmad Fauzul Hakim Hasibuan; Cheren Putri Aditya Pratama; Mustika Shahana; Khaira Khirinika
INVOICE : JURNAL ILMU AKUNTANSI Vol 5, No 2 (2023): September 2023
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Muhammadiyah Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26618/inv.v5i2.12306

Abstract

This study aims to measure Islamic banking financial analysis using Islamicity Indices which is needed for stakeholder assessment and for future progress. The sample in this study was Islamic Commercial Banks, based on the purposive sampling method, 3 Islamic Commercial Banks were obtained including BCA Syariah Bank, Mega Syariah Bank and Muamalat Bank. In this study the data was processed using Microsoft Excel Software/Applications. The ratio will be calculated according to a predetermined formula. The results of the study show that the performance of Islamic banks in Indonesia during the 2019-2022 period has a "quite satisfactory" rating. However, there is one ratio that has an unsatisfactory predicate, namely the zakat performance ratio. Indonesia is still low and the difference in the welfare of directors and employees of Islamic banks is high.
Analysis of Customer Trust and Satisfaction on Service Quality and Security of BSI Mobile Customers After Cyber Banking Lestari Lestari; Ahmad Fauzul Hakim Hasibuan; Auliyah Chairani; Putri Rahmadhani
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 2 (2023): DESEMBER 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i2.1797

Abstract

This study uses qualitatif methods with interviews. So the basis for this research is the author’s interpretation of customer trust and satisfaction in BSI Mobile customers quality of service and security after cyber banking, which explains how customer trust in BSI Mobile. according to the purpose of this study, the researchers wanted to see how the response of BSI customers when cyber banking issues arose the object of research in this study consisted of 3 people, namely 2 women and 1 man who were BSI customers who used transfers. the results of the study show that they agree that the E-banking feature, in which the informants say the same and different opinions, they agree that the features offered in mobile banking are new conveniences
Analysis of Service Strategy in Increasing Customer Satisfaction at Indonesia Islamic Bank Ahmad Fauzul Hakim Hasibuan; M. Reihan; Dwi Thirta Andrean; Aisah Bela Citra
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 2 (2023): DESEMBER 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i2.1807

Abstract

In recent years, Islamic banking in Indonesia has shown positive developments as shown by the increasing number of Islamic banks in Indonesia. To increase its market share, Islamic banking needs to analyze what factors influence the public to be willing to become customers at Islamic banks, one of which is through service quality. This study aims to examine the effect of service quality on customer satisfaction at Bank Syariah Indonesia. The research method used in this study is using data collection methods. The data collection method used is library research, library research. Methods of data collection in the library, reading, recording and managing research materials. The type of data used is qualitative data.
Comparative Analysis of Sharia Bank Financial Performance Before and After the Merger (Case Study of PT. Bank Syariah Indonesia, TBK) Elza Sri; Ahmad Fauzul Hakim Hasibuan; Cintia Nola; Meli Anita
Jurma : Jurnal Program Mahasiswa Kreatif Vol 7 No 2 (2023): DESEMBER 2023
Publisher : LPPM UIKA Bogor

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32832/jurma.v7i2.1872

Abstract

Based on Return On Assets (ROA), Return On Equity (ROE), Net Interest Margin (NIM), and Operating Expenses Against Operating Income (BOPO), the purpose of this study is to determine if there were any differences in financial performance before and after the Bank Indonesian Sharia merger. Descriptive research is used in this study, which examines the financial state of a company over time.Based on the level of explanation, this research also falls into the category of comparative research. Data that was used in the form of two years: one year prior to the merger and one year after it, came from financial reports from Bank Syariah Indonesia. Based on the average Return On Assets (ROA) reported prior to the merger, the findings of this study can be seen increase to 1.61 percent after the merger. Based on Return On Equity (ROE), the financial statements prior to the merger showed an increase of 13.71%, from an average of 10.01%. In light of the Net Interest Edge (NIM) that the budget summaries previously do a consolidation that is with a normal of 4.19% expanded later converged to 6.04%. Based on Operating Expenses vs. Operating Income (BOPO), the average of 85.63 percent in the financial statements before the merger decreased to 80.46 percent after the merger. Because there is an increase in ROA, ROE, and NIM as well as a decrease in BOPO, this study concludes that the hypothesis cannot be proven because the obtained results are not from the test but the average (mean).
Analisis Laporan Keuangan Syariah dan Fungsinya dalam Perbankan Syariah Ahmad Fauzul Hakim Hasibuan; Nazuwani Putri Deli; Yosi Hudiya; Dini Selasi; Amelia Amelia
Ecobankers : Journal of Economy and Banking Vol 4 No 2 (2023): Ecobankers : Journal of Economy and Banking
Publisher : Prodi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam Universitas Islam Bunga Bangsa Cirebon

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Abstract

Abstak. Analisis laporan keuangan pada dasarnya bertujuan untuk mengevaluasi laporan keuangan suatu perusahaan dengan tujuan memperoleh pemahaman tentang kondisi dan kinerja keuangan perusahaan di masa yang akan datang. Analisis ini juga memberikan pertimbangan yang lebih detail bagi perusahaan, termasuk tingkat profitabilitas dan risiko yang terkait Metode Analisa Laporan Keuangan Syariah, Analisis rasio, rasio likuiditas, rasio solvabilitas, rasio profitabilitas. Rasio-rasio tersebut memberikan gambaran tentang tingkat profitabilitas perusahaan dan membantu dalam mengevaluasi kinerja keuangan secara keseluruhan. Analisis laporan keuangan bertujuan untuk melakukan beberapa hal, termasuk penyaringan informasi, pemahaman, peramalan, diagnosis, dan evaluasi keuangan perusahaan. Penyaringan informasi mengacu pada analisis yang dilakukan untuk mengungkap kondisi perusahaan secara tidak langsung melalui laporan keuangan. Pemahaman berarti memahami profil perusahaan beserta keadaan keuangannya dan hasil usahanya. Dalam hal ini, analisis laporan keuangan bertujuan untuk memperoleh pemahaman yang lebih dalam tentang perusahaan. Peramalan berarti analisis yang ditujukan untuk memperkirakan kondisi keuangan perusahaan di masa depan. Secara keseluruhan, analisis laporan keuangan pada perbankan syariah berperan penting dalam pemantauan kinerja keuangan, kepatuhan syariah, pengelolaan risiko, pengambilan keputusan strategis, dan komunikasi dengan stakeholder, yang semuanya mendukung keberhasilan dan pertumbuhan perbankan syariah. Kata Kunci: Analisa laporan keuangan syariah, perbankan syariah, tujuan analisa laporan
Co-Authors Ahmad Fauzan Abdullah Ahmad Hadi Syaputra Ainun Marziah Aisah Bela Citra Alpi Sahrianti Ritonga Amelia Amelia Andri Soemitra Asrul Fauzan Auliyah Chairani Cheren Putri Aditya Pratama Cintia Nola Damanhur, Damanhur Delia Permata Putri Devia Vista Fenuraningsih Dilla Amanda Dinda Rani Raihan Dini Selasi Dwi Thirta Andrean Elza Sri Fajar Iqbal Falahuddin Falahuddin Falahuddin Hasballah Fuadi Fuadi Fuadi Fuadi Fuadi Hail Ulva Haris Al-Amin Hendra Setiawan I Gusti Bagus Wiksuana I Gusti Ngurah Antaryama Intan Mutia Intan Mutia Khaira Khirinika Lestari Lestari Listia Kumalasari M. Reihan Malikud Dhahir Meli Anita Mirna Yanti Muhammad Mirza Amanda Muhammad Nur Muhammad Roni Mukhlish Muhammad Nur Mukhlish Muhammad Nur Munardi Munardi Munawar Khalil Nasution Mustika Shahana Nawir Yuslem Nazli Hasan Nazuwani Putri Deli Nugra Kurnianto Nurhayati Nurhayati Nurhayati Nurilda Safira Nurul Husna Putri Fajar Putri Rahmadhani Putri Zahratul Jannah Reza Juanda Rifki Ismal Rini Rosita Br Ritonga Rizkinawati Sridevi Lumban Batu Syawal Harianto Tinara Rama Dhani Yola Deviani Yosi Hudiya