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All Journal JAM : Jurnal Aplikasi Manajemen EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis AKSIOLOGIYA : Jurnal Pengabdian Kepada Masyarakat Perisai : Islamic Banking and Finance Journal Maqasid: Jurnal Studi Hukum Islam IIJSE
Haqiqi Rafsanjani
Magister Sains Ekonomi Islam Universitas Airlangga Surabaya
Religion Humanities Astronomy Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Energy Law, Crime, Criminology & Criminal Justice Social Sciences Other

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The Effect of Job Satisfaction and Work Discipline on Employee Performance at BPRS Bhakti Sumekar Sumenep Putri, Andik Bone; Maftuhah, Rifa'atul; Rafsanjani, Haqiqi
Perisai : Islamic Banking and Finance Journal Vol 7 No 2 (2023): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v7i2.1648

Abstract

The bank itself is a financial institution that plays an important role in the economy of a country. The more developed the banking industry, the better the country's economic growth. Bank as a financial institution whose function is to collect and distribute funds to the public in order to increase equity, economic growth and stability. Thus, banks are able to collect and distribute public funds effectively and efficiently towards improving people's living standards. The main objectives of the researchers are (1) to find out whether there is a significant influence on job satisfaction on employee work, (2) to find out whether there is a significant influence on work discipline on employee work, and (3) to find out whether there is a significant effect simultaneously between the two variables namely job satisfaction and work discipline on the work performance of BPRS Bhakti Sumekar Sumenep employees. This research method was conducted using a quantitative approach. The population in this study were all employees of BPRS Bhakti Sumekar Sumenep, totaling 51 employees. In this study the sample technique used was saturated sampling where all members of the population were selected as samples. Data collection in this study was a questionnaire or questionnaire, then testing in analyzing information through classical assumption tests, multiple linear regression tests, and hypothesis testing using SPSS 26 software. positive and significant to employee performance (Y) tcount of 2.974 > ttable 2.00 with a significant value level of 0.238 less than 0.05. While Work Discipline (X2) by t test has a positive and significant effect on Employee Performance (Y) tcount of 4.156 > ttable 2.00 with a significant value level of 0.000 less than 0.05. Simultaneously, having an Fcount value of 30,731 while Ftable is 2.79. Because Fcount > Ftable (30,731 > 2.79) and a significance of 0.000 <0.05. And the magnitude of the job satisfaction variable (X1) and work discipline variable (X2) can be seen from the assessment of other variables outside the model. This value indicates that variations in employee work variables are influenced by job satisfaction (X1) and work discipline (X2).
The Effect of Net Profit and Net Cash Flow on Market Capitalization (Case Study of Sharia Banking Companies at the Indonesia Stock Exchange 2019–2022 Period) Aulia Zahra, Ananda Putri; Rafsanjani, Haqiqi; Setiyowati, Arin
Perisai : Islamic Banking and Finance Journal Vol 8 No 1 (2024): April
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v8i1.1671

Abstract

Capital market players or investors will consider several elements that can indicate the state of the company, such as examining financial reports from cash flow to profit and loss statements. In addition, the company's share price will ultimately be related to its market capitalization value. The profits obtained by investors will increase along with the increase in stock market capitalization, and the greater the appreciation, the higher the level of profit from an alternative investment. This study aims to determine the effect of net income and net cash flow on market capitalization. Secondary data in the form of Sharia Banking quarterly financial reports that have been listed on the Indonesia Stock Exchange (IDX) for 2019-2022 is the source of the data. Three samples for this research sample were obtained, namely Bank Panin Dubai Syariah (PNBS), Sharia National Pension Savings Bank (BTPS), and Bank Syariah Indonesia (BSI). Panel data regression analysis with the Eviews 12 program was used in this study. The results show that partially net income has a negative and insignificant impact while net cash flow has a positive and significant impact on market capitalization. Meanwhile, market capitalization is simultaneously influenced by net profit and net cash flow variables.
Perbedaan Praktek Gadai Konvensional dengan Syariah: Studi Kasus Pada Perum Pegadaian Cabang Kebomas Gresik Rafsanjani, Haqiqi
MAQASID Vol 10 No 1 (2021)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (422.714 KB) | DOI: 10.30651/mqsd.v10i1.14488

Abstract

AbstrakPegadaian konvensional dengan pegadaian syariah memiliki perbedaan dalam pelaksanaan kinerja untuk memenuhi tujuan organisasinya. Pada umumnya pegadaian syariah dan konvensional memiliki tujuan yang sama  yakni menyediakan dana kepada masyarakat yang membutuhkan dengan jaminan barang tertentu. Dalam penulisan makalah ini, ingin menemukan bagaimana perbedaan pegadaian konvensional dengan pegadaian syariah
Pengaruh Internal Capital Adequency Ratio (CAR), Financing To Deposit Ratio (FDR), dan Biaya Operasional Per Pendapatan Operasional (BOPO) dalam Peningkatan Profitabilitas Industri Bank Syariah di Indonesia Hakiim, Ningsukma; Rafsanjani, Haqiqi
Jurnal Aplikasi Manajemen Vol. 14 No. 1 (2016)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (195.451 KB) | DOI: 10.18202/jam23026332.14.1.17

Abstract

The aims of this study are to determine and analyze the influence of health bank ratio as measured by CAR, FDR, and ROA to the profitability of Islamic Banks industry in Indonesia. The data use in this research is secondary data include capital adequacy ratio (CAR), liquidity (FDR), operational efficiency (ROA) and profitability (ROA) in Islamic commercial banking industry registered at Bank Indonesia. The data is time series cross section during the year 2010-2012 and 2013 (only in January to March 2013) obtained from the official website of banking statistics, Bank Indonesia (www.bi.go.id). Data analysis used linear regression models with SPSS 16. From the observation and data analysis, the finding shows that CAR, FDR, and ROA to ROA are the indicator of the health Bank to measure profitability has a high relationship. CAR partially has no significant effect on profitability. FDR variable partially has a negative effect and has no significant effect on profitability. In the other hand, BOPO partially has a significant negative effect on ROA.
Pengaruh Perbankan Atas Pertumbuhan Ekonomi: Studi Kasus Bank Konvensional dan Bank Syariah di Indonesia Rafsanjani, Haqiqi; Sukmana, Raditya
Jurnal Aplikasi Manajemen Vol. 12 No. 3 (2014)
Publisher : Universitas Brawijaya, Indonesia

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

Abstract

This paper examines the influence of banks (Conventional and Islamic) on economic growth in Indonesia during the period 2008-2012. Secondary data that were used in this research were in the form of monthly time series data during the year 2008-2012. The data were obtained based on monthly statistical banking report from Bank Indonesia (BI) and monthly statistical reports of the Monthly Industrial Production Index in the Large and Medium scale from Central Bureau of Statistics (BPS) of Indonesia. Total deposits, total loans/total financial, and total assets as variables that are representing the bank. GDP (Gross Domestic Product) is the variable that representing economic growth. By using Cointegration methods and Granger Causality, the result shows that generally, Conventional and Islamic banking affects economic growth in Indonesia.
Pelatihan Strategi Pemasaran Melalui Media Online Pada Produk Usaha Rumahan Krupuk Bawang dan Kripik Sukun Maftuhah, Rifa'atul; Rafsanjani, Haqiqi
Aksiologiya: Jurnal Pengabdian Kepada Masyarakat Vol 3 No 2 (2019): Agustus
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/aks.v3i2.1996

Abstract

This journal discusses the marketing training program for home business products of onion crackers and breadfruit chips through online media. The program is very important to do because based on observations in the field the two processed home products still sell their products in conventional ways. The method used in this assistance program is 1) identifying problems, 2) making training programs, 3) making product labels, 4) making product advertisements on online media. The results of the training showed that the participants were very enthusiastic in participating in the program.
The Effect of Inflation and Efficiency on Performance Indonesian Sharia Commercial Bank Setyawati, Ani; Rafsanjani, Haqiqi; Latifah, Luluk
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 8 No 3 (2025): Sharia Economics
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research aims to analyze the influence of inflation and efficiency on the performance of sharia banking in Indonesia, as measured by Return on Assets (ROA). The data used is monthly time series data from 2014 to 2023 obtained from the Financial Services Authority (OJK) and Bank Indonesia (BI). The analysis method used is the Vector Error Correction Model (VECM) to identify short-term and long-term relationships between variables. The research results show that inflation has a significant influence on sharia banking profitability in the short term, but does not have a significant impact in the long term. In contrast, operational efficiency, as measured by the ratio of Operating Costs to Operating Income (BOPO), has a greater impact on Islamic banking profitability than inflation. These findings confirm that increasing operational efficiency is the main factor in maintaining the positive performance of Islamic banking amidst economic fluctuations.
The Influence Of Working Capital Financing And Consumptive Financing Of Islamic Commercial Banks On Economic Growth Yunaz, Nabila Aretha Putri; Rafsanjani, Haqiqi; Berkah, Dian
EKOMBIS REVIEW: Jurnal Ilmiah Ekonomi dan Bisnis Vol 13 No 4 (2025): Oktober
Publisher : UNIVED Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37676/ekombis.v13i4.8233

Abstract

Economic growth is a main indicator in assessing the development of a country, which is influenced by various factors, including financing distributed by Islamic banking. This research aimed to analyze the influence of working capital financing and consumptive financing by Islamic commercial banks on economic growth in Indonesia. The method used a quantitative approach with the Vector Error Correction Model (VECM) model to analyze the short-term and long-term relationship between the variables of working capital financing, consumptive financing, and economic growth. The data used monthly time series data from the official reports of the Financial Services Authority and the Indonesian Central Statistics Agency for the 2014–2023 period which is processed using Eviews 13. The results showed that consumptive financing had a significant influence on economic growth in the short term. However, the impact is not long-lasting and tends to subside in the long term. In contrast, working capital financing has no direct influence on economic growth in the short term, but in the long term it showed that a stronger linkage to economic growth through increased productivity and investment. This research showed that although consumptive financing can drive economic growth in the short term through increased consumption, the impact is less sustainable compared to working capital financing which contributes more to long-term economic growth. Therefore, the optimization of working capital financing in Islamic banking needed to be increased to support more stable and sustainable economic growth.
Co-Authors Aulia Zahra, Ananda Putri Dian Berkah Maftuhah, Rifa'atul Ningsukma Hakiim, Ningsukma Putri, Andik Bone Raditya Sukmana Sembiring, Rinawati Setiyowati, Arin SETYAWATI, ANI Yunaz, Nabila Aretha Putri