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Faktor-Faktor Penentu Kinerja Bank Umum Syariah (BUS): Studi Kasus Indonesia Ardhi, Ardhi; Setyono, Joko
Sulawesi Tenggara Educational Journal Vol 4 No 3: Desember (2024)
Publisher : Fakultas Keguruan dan Ilmu Pendidikan Universitas Sulawesi Tenggara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54297/seduj.v4i3.838

Tujuan penelitian ini adalah untuk menganalisis faktor-faktor yang menentukan kinerja keuangan Bank Umum Syariah (BUS) di Indonesia. Dalam penelitian ini kinerja keuangan diukur menggunakan Return On Assets (ROA) dan ditentukan sebagai variabel dependen. Variabel independen dalam penelitian ini adalah Operational Cost on Operational Revenues (BOPO), Financial Deposit Ratio (FDR), dan Non- Operational Efficiency (NPF). Populasi dalam penelitian ini adalah seluruh Unit Usaha Syariah di Indonesia periode 2018-2022. Total sampel dalam penelitian ini adalah 20 Unit Usaha Syariah. Teknik analisis data yang digunakan dalam penelitian ini adalah analisis regresi linier berganda. Hasil penelitian menunjukkan bahwa variabel Operational Cost on Operational Revenues (BOPO) mempunyai pengaruh negatif. Variabel Financial Deposit Ratio (FDR) mempunyai pengaruh positif. Sedangkan variabel Non-Performing Financing (NPF) mempunyai pengaruh positif dan tidak signifikan terhadap kinerja keuangan unit usaha syariah di Indonesia.

The Role of Profitability and Liquidity in Meeting the Feasibility Standards of Sharia Banking with Capital Adequacy as A Moderating Variable in Indonesia Yahya, Padli Pawaid; Setyono, Joko
Jurnal Ilmu Ekonomi Terapan Vol. 9 No. 2 (2024)
Publisher : Department of Economics, Faculty of Economics and Business, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jiet.v9i2.59952

This study investigates the impact of profitability and liquidity on bank viability, considering capital adequacy as a moderating factor in Islamic commercial banks in Indonesia. The research sample consists of 9 Islamic commercial banks from 2018 to 2022. The dependent variable, bank survival, is assessed using Return on Assets (ROA). The independent variable, profitability, is measured by Return on Equity (ROE), with Capital Adequacy Ratio (CAR) as the moderating variable. Control variables include Net Profit Margin (NPM), Operational Efficiency (BOPO), and Loan to Deposit Ratio (LDR). Analysis is conducted using multiple linear regression with a Fixed Effects model. The findings indicate that capital adequacy functions as a pure moderator, enhancing the relationship between NPM and ROA while weakening the relationship between ROE and ROA.

Bibliometric Analysis of Islamic Banking Products in Encouraging the Finansial Inclusion in Indonesia Ramadan, Hendra; Setyono, Joko
el-Jizya : Jurnal Ekonomi Islam Vol. 12 No. 2 (2024): el-Jizya : Jurnal Ekonomi Islam
Publisher : Fakultas Ekonomi dan Bisnis Islam (FEBI), Universitas Islam Negeri Prof. K.H. Saifuddin Zuhri Purwokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24090/ej.v12i2.12166

In order to determine how well Islamic financial products promote financial inclusion in the society, this study performed a bibliometric examination of the literature on Islamic finance and financial inclusion. The scholarly literature is analyzed for trends, patterns, and study focus using a bibliometric technique. Information gathered from 920 publications that were mentioned over 568,52 times between 2010 and 2024 demonstrates the literature's major contribution to the growth of the Islamic finance sector. While citation analysis identifies the subjects receiving the greatest attention in the literature, network visualization of research themes and trends shows the progression of ideas from theoretical to practical applications. These results offer a clearer picture of the growth of the Islamic financial sector and the obstacles in the way of achieving greater financial inclusion in society. By delving further into the patterns and trends seen in scholarly works, practitioners and policymakers may create more effective plans to increase public access to Islamic financial services while adhering to Islamic principles.

Mobile Banking Adoption: Development Of the Unified Theory of Acceptance and Use of Technology 2 (UTAUT 2) on BSI Customers in Riau Province Mukarromah, Lukluil; Setyono, Joko
JURNAL BISNIS STRATEGI Vol 33, No 2 (2024): December
Publisher : Magister Manajemen, Fakultas Ekonomika dan Bisnis Undip

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14710/jbs.33.2.158-172

The rapid development of technology in the 5.0 era demands innovation to maximize the functions of technology that can be used by humans in various fields, including the banking sector, with one of its products being mobile banking. The emergence of mobile banking has shown positive impacts with numerous benefits for customers. The purpose of this research is to study important factors that can explain customers' intention and behavior in adopting mobile banking by using constructs found in the UTAUT 2 model, then adding personal innovativeness, trust, and security variables as model developments in explaining intention and behavior in adopting BSI mobile banking. The method used is quantitative, where data were collected through online questionnaires (Google Form) distributed to 360 customers who adopted BSI mobile banking services, then analyzed using structural equation modeling techniques (SEM-PLS version 3.0). The results show that the variables of price value, habit, and security have a significant positive influence on behavioral intention. Then, habit, personal innovativeness, and behavioral intention have a significant positive influence on use behavior, while effort expectancy has an influence but a significant negative effect on behavioral intention. The empirical results of this study imply that the proposed model extension has not yet been fully applied, indicating that the adoption rate still needs improvement.

Potret Empiris Tata Kelola Perbankan Syariah di Indonesia: Systematic Literature Review Wibowo, Wahyu; Setyono, Joko
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 3: Maret 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i3.7617

Penelitian ini bertujuan untuk mengidentifikasi tata kelola perbankan syariah melalui jurnal periode 2015-2024 dengan Systematic Literature Review (SLR). Hasil tinjauan pustaka menunjukkan bahwa: 1) Tingkat distribusi artikel pada tahun 2019, 2020, 2023, dan 2024 sebanyak 4 artikel, tahun 2021 sebanyak 1 artikel, dan tahun 2022 sebanyak 2 artikel; 2) Metode penelitian yang digunakan sebagian besar merupakan pendekatan kuantitatif, namun ada delapan penelitian kualitatif dan satu penelitian metode campuran. Tidak ada yang menggunakan analisis SWOT sebagai pendekatan utama; 3) Jenis alat ukur kinerja yang digunakan lebih diarahkan pada tata kelola syariah dan pemenuhan syariah dalam konteks perbankan syariah; 4) Potret tata kelola perbankan syariah berubah dan cenderung lebih baik; 5) Solusi utama untuk perbankan syariah adalah penguatan Dewan Pengawas Syariah (DPS) dan penerapan prinsip-prinsip Good Corporate Governance (GCG) untuk meningkatkan kepatuhan terhadap syariah dan tata kelola yang lebih efisien dan transparan; dan, 6) Keterbatasan dalam penelitian tata kelola perbankan syariah meliputi ukuran sampel yang terbatas, variabel dan indikator yang kurang komprehensif, periode pengamatan yang singkat, dan teknik analisis yang terbatas, serta menampilkan aksesibilitas data dan informasi secara lebih mendalam.

Examining the Model for Enhancing E-Loyalty in Digital Banks Mahfuzh, Muhammad Ady; Setyono, Joko; Riza, Alex Fahrur
Signifikan: Jurnal Ilmu Ekonomi Vol 14, No 1 (2025)
Publisher : Faculty of Economic and Business Syarif Hidayatullah State Islamic University of Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44901

Research Originality: This research novelty lies in applying the Stimulus-Organism-Response (S-O-R) theory to measure e-loyalty among digital banking customers in Indonesia. This approach has not been widely explored in Indonesia's digital banks' context.Research Objectives: This research evaluates e-loyalty among digital banks' customers in Indonesia using the SOR theory's direct and indirect measurement methodologies.Research Methods: The sample consists of 130 participants drawn from customers of both Islamic and conventional digital banks in Indonesia. This research applies PLS-SEM through SmartPLS software for structural model analysis.Empirical Result: The results show that e-CRM, e-trust, and e-satisfaction directly enhance e-loyalty. E-CRM and e-trust also influence e-loyalty indirectly through e-satisfaction. Moreover, e-satisfaction mediates these relationships, highlighting its crucial role in strengthening customer loyalty in Islamic and conventional digital banks.Implications: Digital banks need to enhance e-CRM by improving application features and usability to maintain customer interaction. Additionally, e-trust is crucial to continuously strengthening security systems to reduce customer concerns. Moreover, services must consistently meet or even exceed customer expectations to achieve high satisfaction and foster customer loyalty.JEL Classification: G21, M31, D91How to Cite:Mahfuzh, M. A., Setyono, J., & Riza., A. F. (2025). Examining the Model for Enhancing E-Loyalty in Digital Banks. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 247-264. https://doi.org/10.15408/sjie.v14i1.44901.

Analisis Strategi Optimalisasi Likuiditas pada Perbankan Syariah di Indonesia Choiri, Ahmad; Wibowo, Wahyu; Aminuddin; Ariga, Adi; Setyono, Joko
EKOMA : Jurnal Ekonomi, Manajemen, Akuntansi Vol. 4 No. 4: Mei 2025
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/ekoma.v4i4.7778

Optimalisasi likuiditas merupakan salah satu elemen krusial dalam menjamin keberlanjutan operasional perbankan syariah di Indonesia. Seiring dengan pertumbuhan industri yang terus meningkat, perbankan syariah menghadapi tantangan likuiditas yang kompleks, seperti ketergantungan pada dana pihak ketiga, minimnya instrumen pasar keuangan syariah, dan fluktuasi kondisi perekonomian. Penelitian ini menggunakan metode deskriptif kualitatif dengan pendekatan library research. Pengumpulan data dilakukan melalui pemahaman teori dari berbagai literatur yang relevan, seperti buku, jurnal, dan hasil penelitian terdahulu. Proses pengumpulan data dilakukan dengan menyusun working library, membaca, mencatat, dan menganalisis secara kritis bahan-bahan yang diperoleh. Penelitian ini menganalisis berbagai strategi untuk mengoptimalkan likuiditas perbankan syariah, antara lain pemanfaatan instrumen keuangan syariah seperti sukuk, diversifikasi pendanaan melalui financial technology berbasis syariah, dan penerapan kebijakan manajemen risiko. Hasil analisis menunjukkan bahwa penguatan kerangka regulasi, kolaborasi lintas sektor, dan digitalisasi proses perbankan dapat meningkatkan efisiensi likuiditas secara signifikan. Strategi ini tidak hanya meningkatkan daya saing perbankan syariah, tetapi juga mendukung pembangunan industri keuangan syariah yang berkelanjutan. Studi ini memberikan wawasan strategis bagi pelaku industri dan regulator dalam mengatasi tantangan likuiditas sekaligus mendorong stabilitas dan pertumbuhan sektor keuangan Islam di Indonesia.

Examining the Model for Enhancing E-Loyalty in Digital Banks Mahfuzh, Muhammad Ady; Setyono, Joko; Riza, Alex Fahrur
Signifikan: Jurnal Ilmu Ekonomi Vol. 14 No. 1 (2025)
Publisher : Faculty of Economic and Business, Universitas Islam Negeri Syarif Hidayatullah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15408/sjie.v14i1.44901

Research Originality: This research novelty lies in applying the Stimulus-Organism-Response (S-O-R) theory to measure e-loyalty among digital banking customers in Indonesia. This approach has not been widely explored in Indonesia's digital banks' context.Research Objectives: This research evaluates e-loyalty among digital banks' customers in Indonesia using the SOR theory's direct and indirect measurement methodologies.Research Methods: The sample consists of 130 participants drawn from customers of both Islamic and conventional digital banks in Indonesia. This research applies PLS-SEM through SmartPLS software for structural model analysis.Empirical Result: The results show that e-CRM, e-trust, and e-satisfaction directly enhance e-loyalty. E-CRM and e-trust also influence e-loyalty indirectly through e-satisfaction. Moreover, e-satisfaction mediates these relationships, highlighting its crucial role in strengthening customer loyalty in Islamic and conventional digital banks.Implications: Digital banks need to enhance e-CRM by improving application features and usability to maintain customer interaction. Additionally, e-trust is crucial to continuously strengthening security systems to reduce customer concerns. Moreover, services must consistently meet or even exceed customer expectations to achieve high satisfaction and foster customer loyalty.JEL Classification: G21, M31, D91How to Cite:Mahfuzh, M. A., Setyono, J., & Riza., A. F. (2025). Examining the Model for Enhancing E-Loyalty in Digital Banks. Signifikan: Jurnal Ilmu Ekonomi, 14(1), 247-264. https://doi.org/10.15408/sjie.v14i1.44901.

Faktor - Faktor yang Mempengaruhi Minat Non Muslim Menjadi Nasabah Bank Syariah Indonesia DIY Rahmawati, Siti; Ahyar, Ahyar; Setyono, Joko
ULIL ALBAB : Jurnal Ilmiah Multidisiplin Vol. 3 No. 3: Februari 2024
Publisher : CV. Ulil Albab Corp

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56799/jim.v3i3.2926

The development of Islamic banking services received a positive response among non-Muslims. This study aims to examine and analyze the factors that influence the interest of non-Muslims to become BSI Yogyakarta Special Region. The population in this study is the non-Muslim community of DIY. The data used in this study is primary data collected through the results of questionnaires and interviews with respondents. There are 120 respondents B SI Yogyakarta Special Region. The data analysis used in this study is multiple linear regression analysis using spss 23. The results of this study are the product, promotion and bank reputation variables affect the interest of non-Muslims to become BSI customers in the Special Region of Yogyakarta while the price, location, and service variables have no effect on interest in DIY non-Muslims.

Inhibition breast carcinogenesis via PI3K/AKT pathway using bioactive compounds of Strychnine tree (Strychnos nux-vomica): in silico study Rispriandari, Aulia Ayu; Sarmoko, Sarmoko; Setyono, Joko; Wisesa, Sindhu
Pharmaciana Vol. 14 No. 2 (2024): Pharmaciana
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/pharmaciana.v14i2.28242

Breast cancer poses a significant global health challenge, with a notable prevalence in Indonesia. Given the intricate nature of breast cancer progression and classification, precise treatment strategies are imperative, particularly targeting signaling pathways like PI3K/AKT, pivotal in cell growth, proliferation, survival, and apoptosis. Bioactive compounds from the Strychnine tree demonstrate potential in enhancing apoptotic effects and inhibiting breast carcinogenesis. This potential is explored through in silico studies. This research aims to analyze potential targets of Strychnine tree compounds, along with binding energy and stability between ligands and receptors. Employing bioinformatics target analysis, molecular docking, and molecular dynamics simulation, the study reveals AKT1 as a potential target of Strychnine tree compounds. These compounds inhibit AKT1 at both active and allosteric sites, displaying notably low binding energy scores. For example, brucine exhibits a binding energy of -10.83 kJ/mol at the active site, surpassing the standard capivasertib. However, lupeol, with a binding energy of -11.14 kJ/mol, falls short of the MK-2206 standard at the allosteric site. Molecular dynamics simulations expose fluctuations in parameters like RMSD, RMSF, and binding energy within the initial 5 ns. In conclusion, Strychnine tree compounds, such as brucine and lupeol, showcase potential AKT1 inhibition at both active and allosteric sites, enhancing apoptotic effects. However, the stability of these compounds in binding to their receptors within the first 5 ns of the simulation warrants further investigation for prolonged interactions.

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