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Assessing Financial Performance's Influence on Financing Risk in Indonesia's Islamic Commercial Banks Efendamara, Peppy Ayu; Sudarsono, Heri; Perdana, Andika Ridha Ayu
ISLAMICONOMIC: Jurnal Ekonomi Islam Vol 15, No 2 (2024)
Publisher : Universitas Islam Negeri Sultan Maulana Hasanuddin Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32678/ijei.v15i2.661

Abstract

This research aims to determine the long- and short-term relationships between the Return on Asset (ROA), Financing to Deposit Ratio (FDR), Operational Costs to Operational Income (BOPO), Industrial Production Index (IPI), and inflation on financing risk or Non Performing Financing (NPF) at Sharia Commercial Banks in Indonesia. This study uses secondary data obtained from publications by the Financial Services Authority and the Central Statistics Agency for the period January 2015 to June 2023. The the Auto-Regressive Distributed Lag (ARDL) method was used with the help of Eviews 12.0. The results show that in the long term, the ROA variable has a negative and significant effect on NPF. The FDR and BOPO variables have a positive and significant effect on NPF. However, Inflation and IPI variables have no long-term effect on NPF. In the short term, ROA and BOPO influence NPF. Meanwhile, the FDR, Inflation and IPI variables had no influence on NPF in the short term.
PENDAMPINGAN UMKM DALAM RANGKA PEMBERDAYAAN EKONOMI MASYARAKAT DI SURABAYA Yulia, Novie Noordiana Rachma; Mardiyanto, Totok; Artalia, Puput; Putro, Suryati Eko; Indriawati, Arlisa; Widodo, Agus Purbo; Sudarsono, Heri
Diklat Review : Jurnal manajemen pendidikan dan pelatihan Vol. 7 No. 3 (2023): Inovasi Sosial dan Penguatan Kapasitas Menuju Pembangunan Berkelanjutan
Publisher : Komunitas Manajemen Kompetitif

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35446/diklatreview.v7i3.1595

Abstract

MSMEs have a very big role in the national economy, so if many MSMEs go out of business, it is feared that this will have a big impact on the national economy. Even though it is full of challenges, the MSME sector still has hope and opportunities to increase its business scale. This opportunity is still open for MSME business actors who want to innovate products and design them with a technological touch. The management process includes several steps, namely: Planning, Organizing, Actuating, Controlling (POAC), these four things need to be implemented so that MSMEs can grow. When starting a business, what must be formulated is the vision, mission, and corporate values. For example, in creating a business the superior values ​​are business that is excellent, honest, trustworthy, and so on. Company values ​​are important because they will become the soul of the company. In making a business plan, the first thing we do is identify where we are, where we are going (goal), why we want to go there, and what we will achieve. These measurements are important. The point is what is the best way to achieve the goals. The method used in this mentoring activity was through a combination of material presentation activities and coaching clinics, which were held in a total of 16 meetings. The result of the activity is an output in the form of a business plan which includes the vision, mission, goals, and business model for the MSME partners targeted by the activity. Other results include new logo designs for several partners so that the appearance becomes fresher and more attractive.
Pengembangan Industri Kreatif dan Peran Bank Syariah Sudarsono, Heri
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 1 (2010): Az-Zarqa': Jurnal Hukum Bisnis Islam
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/qgkaer72

Abstract

Abstrak: The concept of creative industries has been a feature of academic and policy literature for over a decade. The creative industries are defined in this approach in terms of an industrial classification of what they do. or what they produce and how they do it. The cultural and creative industries fit uneasily into this framework: first, because of they share many generic characteristics of the service economy; and second, because they are to a large extent an outgrowth of the previously non-market economy of cultural public goods and private imagination that seeks new ways of seeing and representing the world. However, the creative industries have come to such recent prominence as these once marginal activities now have significant market value and contribution to individual wealth and GDP. Furthermore, financing creative industry is viewed as a new paradigm to alleviate poverty and bring about development. Problems facing creative industry are, among others, non-viability and dependence on subsidized funds for operations. Given this social role, Islamic banks can provide the much-needed product to creative industry to facilitate their economic upliftment. The paper asserts that Islamic banks can finance the creative industry at no extra cost.
Analisa Tingkat Efisiensi Perbankan Syari'ah dan Konvensional dengan Menggunakan Data Envelopment Analysis Sudarsono, Heri
Az-Zarqa': Jurnal Hukum Bisnis Islam Vol. 4 No. 1 (2012): Az-Zarqa'
Publisher : Sharia and Law Faculty of Sunan Kalijaga Islamic State University Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/m3prhz07

Abstract

This research utilises the non-parametric frontier approach, data envelopment analusis (DEA). By using such a analysis, the purpose of this studi is to analyse Islamic banking efficiency with the data during 2007-2010 covering 3 Islamic bank in Indonesia. In general, the result of study indicates that the level of efficiency of Islamic bank is various moving over time. In intermediary efficiency, conventional bank is found to be more efficient than Islamic bank. Moreover, conventional bank is more efficient than islamic bank. Since the study pinpoints the sources of inefficiency, it also helps to provide the banks with strategic planning.
Analisis Niat Nasabah Bank Syariah untuk Menggunakan Mobile Banking Sudarsono, Heri
Jurnal Ilmiah Poli Bisnis Vol 14 No 1 (2022): Volume 14 Nomor 1
Publisher : Politeknik Negeri Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30630/jipb.v14i1.770

Abstract

This study aims to analyze the factors that influence the intention of Islamic bank customers to use mobile banking. This study uses the Unified Theory of Acceptance An Use of Technology (UTAUT) as the main reference in building the model in this study. Respondents were obtained through the distribution of questionnaires in the form of google forms in a number of WhatsApp, Facebook and Instagram groups. The number of respondents who meet the criteria for Muslim customers who have accounts at Islamic banks is 376 people, consisting of 226 men and 150 women. Hypothesis testing was carried out using a Structural Equation Model (SEM) approach based on Partial Least Square (PLS). The results of data processing show that the variables of performance expectancy, effort expectancy, and facilitating conditions have a positive effect on the behavioral intention of Islamic bank customers to use mobile banking. On the other hand, social influence does not affect the customer's intention to use mobile banking. The implication of this result is that Islamic bank management needs to maximize supporting facilities by adding a number of mobile banking features that suit customer needs.
Pengaruh Kinerja Keuangan terhadap Return on Asset (ROA) Bank Syariah di Indonesia Nisa Friskana Yundi; Heri Sudarsono
Al-Amwal : Jurnal Ekonomi dan Perbankan Syari'ah Vol 10, No 1 (2018)
Publisher : UIN Siber Syekh Nurjati Cirebon

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24235/amwal.v10i1.2759

Abstract

This study aims to analyze the effect of financial performance on profitability measured using Return On Assets (ROA) on Islamic Banking in Indonesia in the period 2010 to 2016 and prove the hypothesis. This study uses secondary data consisting of 7 years, from 2010 to 2016 obtained from Otoritas Jasa Keuangan (OJK) and Bank Indonesia (BI). The method of analysis used for this research is Vector Error Correction Model (VECM) consisting of stationary test, optimal lag test, cointegration test, stabilization test, impulse response function analysis, and variance decomposition. The analysis result of this research in long term CAR, FDR, NPG and BOPO have negative effect, while DPK have positive effect to ROA. While in short term CAR has no effect, while FDR, BOPO and DPK have negative effect and NPF have positive effect to ROA. Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan terhadap ROA yang diukur menggunakan Return On Asset (ROA) pada Perbankan Syariah yang ada di Indonesia dalam kurun waktu 2010 sampai dengan 2016 dan membuktikan hipotesis.  Penelitian ini menggunakan data sekunder yang terdiri dari 7 tahun, mulai tahun 2010 sampai dengan 2016 yang di peroleh dari OJK (Otoritas Jasa Keuangan) dan Bank Indonesia (BI), Metode analisis yang digunakan untuk penelitian ini menggunakan Vector Error Correction Model (VECM), yang terdiri dari uji stasioneritas, uji lag optimal, uji kointegrasi, uji stabilisasi, analisis impulse respons function, dan variance decomposition. Hasil analisis dari penelitian ini dalam jangka panjang CAR, FDR, NPG dan BOPO berpengaruh negative, sedangkan DPK berpengaruh positif terhadap ROA. Sedangkan dalam jangka pendek CAR tidak berpengaruh, sedangkan  FDR, BOPO dan DPK berpengaruh negative dan NPF berpengaruh  positif terhadap ROA
A Comparative Analysis of Citation Counts in Sinta, Dimensions, and Scopus: A Study of Journals in Islamic Economics, Finance, and Business Sudarsono, Heri; Ardiami, Kinanthi Putri; Anto, Mohammad Bekti Hendrie
Khizanah al-Hikmah : Jurnal Ilmu Perpustakaan, Informasi, dan Kearsipan Vol 12 No 2 (2024): December
Publisher : Program Studi Ilmu Perpustakaan UIN Alauddin

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/kah.v12i2a13

Abstract

This study compared the citation counts of journals in economics, finance, and Islamic business (JEFIB) indexed in three prominent databases: Sinta, Dimensions, and Scopus. JEFIB is indexed in Sinta, with citation data also available from the Dimensions and Scopus databases. A total of five journals were selected from each Sinta category, with the highest citation count from each database—Sinta, Dimensions, and Scopus—being recorded. The citation data were then tabulated for each journal group based on the highest counts from these three databases. The findings reveal that citation counts in Sinta do not always align with those in Dimensions and Scopus, primarily due to differences in the data sources used for citation tracking. Sinta relies on data from Google Scholar, encompassing a broader range of publications, while Dimensions tracks citations from journals indexed by Crossref. Scopus citations, on the other hand, depend on the total number of citations of journal articles included in the Scopus database. Furthermore, the citation counts are influenced by factors such as the number of journal volumes, the total number of published documents, and the accreditation level of the journal. This study underscores the importance of considering citation data from multiple platforms—Sinta, Dimensions, and Scopus—when evaluating the impact of journals within the global academic community.
Macroeconomic Variables and the Indonesian Sharia Stock Index Sudarsono, Heri; Latifatunnisa
Journal of Islamic Economics and Finance Studies Vol 5 No 2 (2024): JIEFeS, December 2024
Publisher : Universitas Pembangunan Nasional Veteran Jakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47700/jiefes.v5i2.7765

Abstract

Macroeconomic development significantly impacts the movement of the Indonesian Shariah Stock Index (ISSI). This study analyzes the effects of five macroeconomic variables, namely exchange rate (ER), inflation (INF), BI Rate (BIRATE), oil price (OP), and money supply (MS) on ISSI using quantitative data from January 2015 to December 2022 and the Vector Error Correction Model (VECM) framework. The analysis revealed that in the short term, ER, INF, BIRATE, OP, and MS did not significantly affect ISSI. However, in the long-term, ER, BIRATE, OP, and MS significantly impact ISSI, whereas INF remains insignificant. Among these variables, ER and MS had the most substantial influence on ISSI. These findings underscore the importance of macroeconomic stability in shaping ISSI's long-term performance, providing valuable insights for policymakers and investors aiming to navigate the dynamic relationship between macroeconomic factors and Islamic financial markets. Maintaining macroeconomic stability is essential for supporting the growth and resilience of the Islamic financial market. Policymakers should focus on effectively managing exchange rates and money supply while fostering a stable economic environment to enhance ISSI performance.
Analysis of customer intention to save at BMT Fastabiq Jepara Sudarsono, Heri; Alghana, Ahada Dzulfikar; Ash Shidiqie3, Jannahar Saddam; El Hasanah, Lak lak Nazhat
Jurnal Ilmiah Ekonomi Islam Vol 10, No 2 (2024): JIEI : Vol.10, No.2, 2024
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v10i2.13177

Abstract

This research aims to analyze the intention to save at BMT Fastabiq, Jepara. This research was conducted from May to June 2023, and the data source was obtained through a survey method using a questionnaire tool that was distributed to customers at BMT Fastabiq Jepara. This research uses quantitative data processing methods with SEM PLS analysis (Partial Least Square ) using SmartPLS 4.0. The respondents in this study were 100 BMT Fastabiq Jepara customers. The variables used in this research were intention to save (INT), knowledge (KNW), products (PRD), promotions (PRM), and religiosity (RE). The results of this research reveal that products and religiosity have a positive effect on the intention to save at BMT Fastabiq Jepara, whereas knowledge and promotion do not affect customers' intention to save at BMT Fastabiq Jepara.
Trends and evolution in Islamic social finance research: A comprehensive bibliometric study Sudarsono, Heri; Nugrohowati, Rindang Nuri Isnaini; Mifrahi, Mustika Noor; Tumewang, Yunice Karina; Fitriyani, Yeny; Lidasan, Mussolini Sinsuat
Review of Islamic Social Finance and Entrepreneurship Volume 4 Issue 1, 2025
Publisher : Center for Islamic Economics and Development Studies [P3EI]

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20885/RISFE.vol4.iss1.art4

Abstract

Purpose – This study provides a comprehensive overview of the current state of Islamic social finance literature using VOSviewer analysis to identify key themes, trends, and emerging areas in this field.Methodology – A bibliometric analysis was conducted using VOSviewer to map and visualize key concepts and emerging topics in the Islamic social finance literature. The analysis focuses on the term "Islamic social finance’."Findings – The analysis confirms the foundational role of traditional concepts, such as "Islamic social finance, " in the literature and identifies emerging themes, such as the impact of Covid-19 and economic crises. These findings highlight the evolution of literature and its adaptation to contemporary global challenges.Implications – This study underscores the need to explore how established concepts in Islamic social finance can be applied to address modern socioeconomic issues. The identification of emerging themes suggests potential areas for future research, particularly regarding how Islamic social finance can contribute to solving global challenges. For practitioners, the insights gained can serve as a guide for the development of Islamic financial products that are context-sensitive and align with both traditional principles and contemporary needs.Originality – This study makes a unique contribution by using bibliometric analysis to map the evolving landscape of Islamic social finance research, highlighting both established and emerging areas of interest. The findings of this study provide valuable insights for future research and practical application in this field.