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The Effect Of Islamic Corporate Governance, Current Ratio, Total Asset Turnover And Intellectual Capital On Profitability (Study on Sharia Commercial Banks registered with the Financial Services Authority (OJK) for the 2018-2022 period) Faisal aristama; Hanif Hanif; Muhammad Iqbal; Fithriah Wardi
Al-Kharaj: Journal of Islamic Economic and Business Vol. 6 No. 1 (2024): All articles in this issue include authors from 5 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v6i1.4973

Abstract

Profitability is a measurement of the financial performance of Islamic banks, which is the company's ability which is shown through the management of the use of total assets related to the company's operational activities. The better the management of total assets, the higher the profit obtained. This study aims to analyze the effect of Islamic corporate governance, current ratio, total asset turnover and intellectual capital on profitability. The companies studied are Sharia Commercial Banks as many as 10 companies for five years with the period 2018-2022.The method used in this study is the multiple linear regression analysis method with the help of the SPSS 23 program. Data collection techniques are carried out with documentation techniques with secondary types of data, namely in the form of financial statements of Islamic commercial bank companies registered with the Financial Services Authority for the 2018-2022 period.The results in this study show that Islamic corporate governance has a positive effect on profitability, current ratio has a positive effect on profitability, total asset turnover has a positive effect on profitability and intellectual capital has a positive effect on profitability
Pengaruh Financial Technology Dan Love of Money Terhadap Personal Financial Planning Generasi Z Dengan Financial Literacy Sebagai Variabel Moderasi Narinda Damayanti; Hanif Hanif; Liya Ermawati
J-CEKI : Jurnal Cendekia Ilmiah Vol. 4 No. 2: Februari 2025
Publisher : CV. ULIL ALBAB CORP

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jceki.v4i2.7761

Abstract

Personal financial planning di Indonesia semakin penting seiring dengan meningkatnya kesadaran masyarakat akan pentingnya pengelolaan keuangan untuk mencapai kestabilan finansial dan masa depan yang lebih baik. Faktanya, banyak individu menghadapi tantangan dalam mengelola keuangan mereka, seperti kurangnya disiplin, wawasan yang terbatas, dan kurangnya pemanfaatan teknologi keuangan secara efektif, serta sifat individual yang dimiliki sesorang. Penelitian ini bertujuan untuk menguji pengaruh financial technology dan love of money terhadap personal financial planning generasi z dengan financial literacy sebagai variabel moderasi. Jenis penelitian ini yaitu penelitian kuantitatif dengan penggunaan kuesioner sebagai instrumen dalam pengambilan data. Populasi penelitian ini yaitu mahasiswa generasi z fakultas ekonomi UIN Raden Intan Lampung. Jumlah sampel sebanyak 98 responden dengan pengumpulan sampel menggunakan purposive sampling. Analisis data yang digunakan adalah path analysis program smart PLS 4.0. dengan beberapa uji yang dilakukan yaitu uji validitas, uji reabilitas, uji hipotesis dan uji moderasi. Hasil analisis menunjukkan bahwa financial technology dan love of money berpengaruh positif dan signifikan secara parsial terhadap personal financial planning, dan literasi keuangan tidak dapat memoderasi hubungan antara financial technology dan love of money terhadap personal financial planning.
Pengaruh Modal Usaha dan Product Innovation Terhadap Eksistensi UMKM dengan Digital Marketing Sebagai Variabel Moderating Dalam Perspektif Ekonomi Islam Fahmi Muhammad Irfan; Suharto Suharto; Hanif Hanif
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 1 (2023): JIEI : Vol.9, No.1, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i1.8507

Abstract

Micro, Small and Medium Enterprises (UMKM) have a contribution to the Gross Domestic Product (GDP). This continues to increase from year to year, but has decreased during the Covid-19 pandemic. During the Covid-19 pandemic, namely in 2020-2021, all sectors experienced an economic crisis, including UMKM. The existence of the Implementation of Community Activity Restrictions (PPKM) resulted in UMKM experiencing a decrease in turnover of up to 80-90% during the co-19 pandemic. Business actors are still faced with a common problem, namely that business is hampered due to slow capital turnover, especially during the co-pandemic. Therefore, to develop UMKM Coffee Shops in Bandar Lampung, it is necessary to have additional Business Capital and Product Innovation to develop their business, accompanied by Digital Marketing as a moderation medium for the development of UMKM Coffee Shops in Bandar Lampung. Based on this, the formulation in this study is Does Business Capital have an influence on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in the Perspective of Islamic Economics? And does Product Innovation have an influence on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in the Perspective of Islamic Economics? The purpose of this study, to examine and analyze the effect of Business Capital on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in an Islamic Economic Perspective and to test and analyze the effect of Product Innovation on the development of UMKM in Bandar Lampung City with Digital Marketing as a Moderating Variable in Islamic Economic Perspective. The method used in this research is a quantitative research method. The data used in this study is primary data derived from the results of the questionnaire answers that the researchers distributed to UMKM actors in the city of Bandar Lampung. The sample used uses the slovin formula with the results of the sample used by 100 UMKM actors in the city of Bandar Lampung. This study determines how much influence Business Capital has on the Development of UMKM in the City of Bandar Lampung with Digital Marketing as a moderating variable in the Islamic Economic Perspective, which is equal to 62.5%, the rest is influenced by other variables. Meanwhile, the magnitude of the influence of Product Innovation on UMKM development with digital marketing as a moderating variable is 62.4%, the rest is influenced by other variables. Most Coffee ShopUMKM have understood that product innovation is something that is needed so that a business can continue and survive.
The Implementation Of Human Resource Quality, Salary and Benefits Towards Employee Welfare In Small and Medium Micro-Enterprises In Bandarlampung City From A Sharia Economic Perspective Ahmad Arief Hidayatullah; Hanif Hanif; Madnasir Madnasir
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 6 No. 5 (2025): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v6i5.9540

Abstract

Analisis Etika Bisnis Islam Terhadap Praktek Jual-Beli Agen Di PT Ciomas Adisatwa Cabang Lampung Di Era Digital Mia Oktavia; Hanif Hanif; Budimansyah Budimansyah
Management Studies and Entrepreneurship Journal (MSEJ) Vol. 7 No. 2 (2026): Management Studies and Entrepreneurship Journal (MSEJ)
Publisher : Yayasan Pendidikan Riset dan Pengembangan Intelektual (YRPI)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/msej.v7i2.10098

Abstract

This study aims to analyze the implementation of Islamic business ethics in the buying and selling practices carried out by agents at PT Ciomas Adisatwa, Lampung Branch, in the digital era. This research uses a qualitative approach with a case study method. Data were collected through in-depth interviews with three categories of informants: sales agents, branch managers, and customers. Data analysis was conducted thematically to explore the extent to which Islamic ethical principles are applied in digital trading practices. The results show that the trading practices at PT Ciomas Adisatwa Lampung Branch reflect Islamic business ethics, even though the term sharia is not explicitly used. Agents strive to be honest, fair, transparent, and responsible in every transaction, and they avoid elements of riba (usury) and gharar (uncertainty). Values such as honesty and ihsan (excellence in conduct) are evident in how they maintain good relationships with customers. However, in the digital era, agents face challenges such as intense business competition, the need for transparency in online transactions, data security, and the pressure of automation, which can be difficult to align with Islamic values. Another challenge is maintaining a human touch in digital services. To address these challenges, the company seeks to balance business efficiency with Islamic principles. They are improving digital systems to be more transparent, fair, and secure while ensuring services remain ethical and humane. Through these efforts, PT Ciomas Adisatwa aims to ensure that its trading practices continue to align with Islamic teachings, even in the digital age.
Pengaruh Diversifikasi, Kepercayaan Produk terhadap Penjualan Mobil Hybrid dengan Tren Pasar sebagai Variabel Intervening Ariya Putra Marwa Pramulya; Yeni Susanti; Hanif Hanif
Jurnal Simki Economic Vol 9 No 1 (2026): Volume 9 Nomor 1 Tahun 2026
Publisher : Universitas Nusantara PGRI Kediri

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29407/jse.v9i1.1466

Abstract

This research analyses the impact of product diversification and product trust on the enhancement of hybrid car sales from an Islamic business perspective. This research employed a quantitative methodology and an explanatory framework. Data was gathered via questionnaires administered to 97 purposively selected consumers of Toyota hybrid vehicles in Bandar Lampung City. Validity, reliability, classical assumption tests, multiple linear regression, and path analysis were conducted on the data for analysis. This is accomplished utilizing statistical software. The research findings indicate that product trust directly impacts and significantly enhances sales, whereas product diversification and market trends exert no partial influence on sales growth. Nevertheless, market developments have failed to mitigate the impacts of product trust and product diversification. The findings underscore the significance of honesty, trust, and transparency in sustainable business operations, indicating that the rise in hybrid car sales is more significantly affected by consumer trust than by product changes or market trends.