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Efficiency Analysis of Indonesian Sharia Banks Nur Khalimah; Edy Yusuf Agung Gunanto
AFEBI Islamic Finance and Economic Review Vol 4, No 01 (2019)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

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The development of Islamic banking in Indonesia is still not optimal, so it requires performance improvement. It is necessary to measure efficiency and productivity to achieve predetermined targets. This study measures the level of efficiency of 12 Islamic commercial banks in Indonesia for the 2016-2018 period using DEA (Data Envelopment Analysis), method with the assumption of CRS (Constant Return to Scale) and maximizing output. Furthermore, the malmquist index analysis is to see the productivity level of Islamic commercial banks. The results show that the overall efficiency of Islamic commercial banks in Indonesia has decreased. In 2016, the average efficiency of Islamic commercial banks was 100 percent. In 2017 the average efficiency was 99.93 percent with 3 Islamic commercial banks that were not efficient. In 2018 the average efficiency was 98.4 percent with 2 Islamic commercial banks that were not efficient. The results of the malmquist index analysis in 2017, there were 8 Islamic commercial banks increasing returns to scale, while 4 Islamic commercial banks decreasing returns to scale. In 2018, 11 Islamic commercial banks increasing returns to scale and 1 Islamic commercial banks decreasing returns to scale.Keywords: Efficiency, productivity, DEA, Islamic Bank.

What Determines Student Decision to Select Islamic Bank in Indonesia? Bagus Eka Saputra; Edy Yusuf Agung Gunanto
AFEBI Islamic Finance and Economic Review Vol 5, No 02 (2020)
Publisher : Asosiasi Fakultas Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47312/aifer.v5i02.447

Indonesia has a very large muslim population. The large number of muslim population in Indonesia will certainly affect the behavior of consumers from the public to use Islamic banking services. This study aims to determine the effect of religiosity, income, service, promotion and location on the decision of students of the faculty of economics in Semarang to use Islamic banks. The population in this study were students of the faculty of economics in the city of Semarang. This research is quantitative study conducted by distributing questionnaires to 191 respondents with purposive random sampling method. This research uses multiple linier regression analysis which is processed using SPSS version 23. The study found that the factors of religiosity, promotion and location partially have a significant effect on the decision of students to select Islamic banks. While the income and service variables partially did not significantly influence the decision of students to use Islamic banks.

PENGEMBANGAN DESA MANDIRI MELALUI PENGELOLAAN BADAN USAHA MILIK DESA (BUMDes) Edy Yusuf Agunggunanto; Fitrie Arianti; Edi Wibowo Kushartono; Darwanto Darwanto
Jurnal Dinamika Ekonomi & Bisnis Vol 13, No 1 (2016)
Publisher : Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jdeb.v13i1.395

AbstrakPembentukan BUMDes merupakan cara untuk memanfaatkan Undang-Undang yang memberikan kewenangan kepada pemerintah desa untuk melakukan inovasi dalam pembangunan desa, terutama meningkatkan perekonomian desa dan kesejahteraan bagi masyarakat desa. Kenyataannya banyak desa yang gagal menjalankan BUMDes dikarenakan kurang siapnya desa dan potensi yang minim dari desa. Tujuan penelitian ini mengetahui kondisi dan tata kelola BUMDes yang sedang berkembang. Metode yang digunakan adalah pendekatan kualitatif. Hasil penelitian ini menunjukkan kondisi BUMDes di Kabupaten Jepara sudah berjalan sesuai dengan tujuan pembentukan BUMDes dan mampu membantu meningkatkan perekonomian desa. Namun masih terdapat kendala dalam pengelolaan BUMDes di beberapa daerah seperti jenis usaha yang dijalankan masih terbatas, keterbatasan sumber daya manusia yang mengelola BUMDes dan partisipasi masyarakat yang rendah karena masih rendahnya pengetahuan mereka. Abstract The establishment of Institutional village enterprises (BUMDes) is a way to utilize the constitution that authorizes the local government for doing innovation in rural development, especially to increase rural economy and Welfare for Rural Communities. In fact, many villages that failed to run BUMDes due to lack of readiness and village potential. This research aims to explain the condition and governance of developing BUMDes. This research used qualitative methods. The result of this research shows that the condition of BUMDes in Jepara has been running in accordance with the purpose of forming BUMDes and able to help increase the rural economy. However, there are still problems in the management of BUMDes in some areas such as the type of business that carried on still limited, limited human resources that manage BUMDes and the participation of rural community are low due the lack of knowledge.

Analysis of Economic Growth through Technological Advancement, Investment, Labor and Education Nur Rifai; Edy Yusuf Agung Gunanto; Joko Hadi Susilo
EKO-REGIONAL Vol 16, No 2 (2021)
Publisher : Jurusan Ilmu Ekonomi dan Studi Pembangunan Universitas Jenderal Soedirman

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20884/1.erjpe.2021.16.2.1851

This study is aims to determine the variable influence of technological advances, investment, labor and education on economic growth in Central Java Province in 2016-2020, this research is conducted to provide the right economic growth model in accordance with the results of the study. This research is empirical research with quantitative approach. The data used in this study is secondary data from 35 districts/cities in Central Java Province in 2016-2020 so that the number of samples in the study is 175 samples. The data analysis technique in this study uses multiple linear regression analysis with the Fixed Effect model. This study found that the progress variable of technology, labor and education have a significant and positive influence on economic growth in Central Java Province. This study also found the investment variable had an insignificant effect on economic growth in Central Java Province.Keywords: economic growth, technological advancement, investment, labor, education.

Pengaruh Faktor Kesadaran Halal, Harga, Pelayanan dan Religiusitas Terhadap Keputusan Pembelian Orichick di Kota Semarang Iqbal Esa; Fuad Masud; Edy Yusuf Agung Gunanto
Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam Vol 5, No 02 (2021): Ad-Deenar: Jurnal Ekonomi dan Bisnis Islam
Publisher : Sekolah Tinggi Agama Islam Al Hidayah Bogor

Indonesia is one of the potential countries in terms of the Muslim consumer market, this is evidenced by the high Muslim population that reaches 209.12 million or around 87% of the total population. The influence of kesadaran halal in society is still considered less than optimal. The culinary business continues to increase, but in fact the halal certification that guarantees the halal haram of a product is still minimal, plus the increasing buying interest of consumers in Semarang City for ready-to-serve products (franchises) which are generally still controlled by foreign parties.This research is a form of quantitative method that is distributed through a questionnaire. The population in this study were Muslim student consumers who had bought and eaten OriChick products in the city of Semarang. The total sample was 100 respondents with a purposive sampling approach. This study uses multiple linear regression analysis techniques where the data is processed using SPSS Statistics 23. The results of the analysis show that the impression of price and ic religiosity has a positive and significant effect on purchasing decisions. Meanwhile, kesadaran halal and service quality variables do not have a significant effect on purchasing decisions. Simultaneously the results of kesadaran halal, price impressions, service quality and ic religiosity have a simultaneous effect on purchasing decisions. The result of the R square value test of 0.346 shows that 34% of purchasing decisions can be explained by independent variables and the remaining 66% is explained by other factors outside the research.

Analysis of the determinants of Sharia Commercial Bank's Profitability for the Period of January 2015 – December 2020 Nabila Rahmadani Kusuma Putri; Edy Yusuf Agung Gunanto
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 6, No 1 (2022): January - June 2022
Publisher : Institut Agama Islam Negeri (IAIN) Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/es.v6i1.5085

Sharia Commercial Banks not only function as intermediary institutions that collect and distribute public funds. Currently, Sharia Commercial Banks is one milestone used by the government in increasing the potential of the developing sharia economy in Indonesia. This thing, of course, will make Sharia Commercial Banks must develop their performance to be better. To monitor the performance, the profitability ratio that is impacted by various factors is used. This study is conducted to know the impact of capital adequacy, liquidity, credit risks, and operational efficiency on Sharia Commercial Bank’s profitability. liquidity and operational efficiency variables have a significant negative impact. Capital adequacy have a significant positive impact. Whereas NPF has an insignificant positive impact on Sharia Commercial Bank’s profitability.Bank Umum Syariah tidak hanya berfungsi sebagai lembaga intermediasi yang menghimpun dan menyalurkan dana masyarakat. Saat ini Bank Umum Syariah merupakan salah satu tonggak yang digunakan oleh pemerintah untuk meningkatkan potensi ekonomi syariah yang sedang berkembang di Indonesia. Tentunya, hal tersebut membuat Bank Umum Syariah harus meningkatkan kinerjanya menjadi lebih baik lagi. Sehingga untuk memantau kinerja tersebut, digunakan rasio profitabilitas yang dipengaruhi berbagai faktor. Penelitian ini dilakukan untuk mengetahui pengaruh kecukupan modal, likuiditas, risiko kredit dan efisiensi operasional terhadap profitabilitas Bank Umum Syariah. Data yang digunakan adalah statistik bulanan Bank Umum Syariah periode Januari 2015 – Desember 2020 yang dianalisis menggunakan regresi linear berganda. Hasil penelitian ini menunjukan bahwa liquiditas dan efisiensi operasional berpengaruh negatif signifikan terhadap profitabilitas Bank Umum Syariah. Kecukupan modal berpengaruh positif signifikan. Sedangkan NPF berpengaruh positif tidak signifikan terhadap profitabilitas Bank Umum Syariah.

ANALISIS JUMLAH OBYEK WISATA, PENDAPATAN OBYEK WISATA, JUMLAH WISATAWAN NUSANTARA, DAN PRODUKTIVITAS TENAGA KERJA TERHADAP PENYERAPAN TENAGA KERJA SEKTOR PARIWISATA DI KABUPETEN SEMARANG TAHUN 2013-2017 Dwi Suharani Raja Guk Guk; Nenik Woyanti; Edy Yusuf Agung Gunanto
BISECER (Business Economic Entrepreneurship) Vol 2, No 1 (2019): Januari 2019
Publisher : Universitas Darul Ulum Islamic Centre Sudirman GUPPI

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Masalah pengangguran di Kabupaten Semarang pada tahun 2017 menunjukkan kenaikan yang sangat drastis yaitu sebesar 20,8 persen dari 1,93 persen di tahun 2016. Pembangunan sektor pariwisata merupakan salah satu usaha untuk mengatasi masalah pengangguran tersebut. Pengembangan sektor pariwisata di Kabupaten Semarang diarahkan oleh pemerintah dan swasta untuk meningkatkan kunjungan wisatawan sehingga diperoleh pemasukan yang meningkat juga melalui konsumsi yang dilakukan oleh wisatawan. Meningkatnya kunjungan wisatawan diharapkan akan meningkatkan kesempatan kerja pada sektor pariwisata.Tujuan penelitian ini adalah untuk menganalisis pengaruh jumlah obyek wisata, pendapatan obyek wisata, dan jumlah wisatawan terhadap penyerapan tenaga kerja pada sektor pariwisata di Kabupaten Semarang tahun 2013-2017. Data yang digunakan adalah data sekunder dalam bentuk data panel. Metode analisis data yang digunakan dalam penelitian ini adalah analisis regresi berganda dengan menggunakan aplikasi E-views. Berdasarkan hasil penelitian diperoleh kesimpulan bahwa variabel jumlah obyek wisata, pendapatan obyek wisata, dan jumlah wisatawan nusantara berpengaruh positif dan signifikan terhadap penyerapan tenaga kerja, sedangkan variabel produktivitas tenaga kerja berpengaruh negatif dan signifikan terhadap penyerapan tenaga kerja pada sektor pariwisata di Kabupaten Semarang tahun 2013-2017.Kata Kunci: Penyerapan Tenaga Kerja, Jumlah Obyek Wisata, Pendapatan Obyek Wisata, Jumlah Wisatawan Nusantara, Produktivitas Tenaga Kerja

Analisis Keputusan Pencantuman Labelisasi Halal pada Salon Muslimah Adinda Luthfi Sahara; Edy Yusuf Agung Gunanto
Jurnal Iqtisaduna Vol 7 No 1 (2021)
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v7i1.21586

Label halal dinilai memiliki peluang yang menjanjikan dengan semakin berkembangnya kesadaran konsumen dalam mengkonsumsi produk halal. Tidak hanya dibidang makanan, produk berlabel halal kini juga merambah ke bidang pariwisata, fashion, bahkan produk kosmetik dan kecantikan. Penggunaan label halal pada suatu produk dinilai dapat memberikan ketenangan bagi konsumen baik secara lahir maupun batin. Hal ini mempengaruhi tingkat permintaan konsumen terhadap produk, baik itu barang atau jasa untuk dikonsumsi. Peluang bisnis inilah yang dirasa dapat mempengaruhi banyaknya produsen mulai menciptakan barang dan jasa berlabel halal untuk memenuhi permintaan pasar. Tujuan dari dilakukannya penelitian ini adalah untuk mengetahui faktor-faktor apa saja yang dapat mempengaruhi seorang pengusaha dalam mencantumkan label halal pada bisnisnya. Metode yang digunakan dalam penelitian ini menggunakan AHP (Analytical Hierarchy Process) dengan alat analisis menggunakan Super Decision versi 3.2. Metode analisis ini dipilih untuk mengetahui faktor terkuat yang dapat mempengaruhi pencantuman label halal pada salon muslimah di kota Semarang. Data kualitatif diperoleh dengan melakukan sesi wawancara singkat dan penyebaran kuesioner kepada 5 salon muslimah sebagai responden dalam penelitian ini. Dari proses analisis tersebut dapat disimpulkan bahwa faktor-faktor yang mempengaruhi pencantuman label halal pada salon muslimah yang telah diurutkan ialah Religiusitas (57,9%), Brand Image (14,4%), Halal Lifestyle (14,3%), Motif Ekonomi (13,4%).

Factors Affecting Intention to Recommend Halal Cosmetic Products (Case Study in South Tangerang City) Devany Arfilia Susanti; Edy Yusuf Agung Gunanto
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 9 No. 4 (2022): Juli-2022
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol9iss20224pp543-558

ABSTRAK Sektor kosmetik halal saat ini dianggap sebagai sektor dengan potensi tertinggi secara global. Berkembangnya tren penggunaan kosmetik halal dipengaruhi oleh tren hijrah dan gaya hidup umat Muslim yang sadar dengan urgensi penggunaan produk halal. Ketersediaan produk kosmetik halal yang beragam di pasaran mendorong konsumen lebih diskriminatif dalam pemilihan merek kosmetiknya. Perusahaan perlu merumuskan strategi pemasaran yang tepat agar produknya dapat bertahan dan bersaing dengan kompetitor, salah satunya melalui rekomendasi atas suatu produk tertentu. Penelitian ini bertujuan untuk menganalisis faktor yang mempengaruhi intensi konsumen untuk merekomendasikan produk kosmetik halal. Metode yang digunakan dalam penelitian yaitu Structural Equation Modelling (SEM) dengan alat analisis SmartPLS 3. Data primer diperoleh melalui kuesioner dengan 180 sampel masyarakat di Kota Tangerang Selatan. Hasil penelitian mengungkapkan bahwa customer satisfaction, product quality, dan customer experience berpengaruh secara positif dan signifikan terhadap intention to recommend produk kosmetik halal, sedangkan trust tidak berpengaruh secara signifikan terhadap intention to recommend produk kosmetik halal. Kata kunci: Kosmetik halal, customer satisfaction, trust, product quality, customer experience, intention to recommend. ABSTRACT The halal cosmetics sector is currently considered the sector with the highest potential in the world. The growing trend of using halal cosmetics is influenced by the migration trend and lifestyle of Muslims who are aware of the importance of using halal products. The presence of various halal cosmetic products on the market encourages consumers to be more selective in their choice of cosmetic brands. 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Analysis of the determinants of Sharia Commercial Bank's Profitability for the Period of January 2015 – December 2020 Nabila Rahmadani Kusuma Putri; Edy Yusuf Agung Gunanto
EKONOMIKA SYARIAH : Journal of Economic Studies Vol 6, No 1 (2022): January - June 2022
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Sharia Commercial Banks not only function as intermediary institutions that collect and distribute public funds. Currently, Sharia Commercial Banks is one milestone used by the government in increasing the potential of the developing sharia economy in Indonesia. This thing, of course, will make Sharia Commercial Banks must develop their performance to be better. To monitor the performance, the profitability ratio that is impacted by various factors is used. This study is conducted to know the impact of capital adequacy, liquidity, credit risks, and operational efficiency on Sharia Commercial Bank’s profitability. liquidity and operational efficiency variables have a significant negative impact. Capital adequacy have a significant positive impact. Whereas NPF has an insignificant positive impact on Sharia Commercial Bank’s profitability.Bank Umum Syariah tidak hanya berfungsi sebagai lembaga intermediasi yang menghimpun dan menyalurkan dana masyarakat. Saat ini Bank Umum Syariah merupakan salah satu tonggak yang digunakan oleh pemerintah untuk meningkatkan potensi ekonomi syariah yang sedang berkembang di Indonesia. Tentunya, hal tersebut membuat Bank Umum Syariah harus meningkatkan kinerjanya menjadi lebih baik lagi. Sehingga untuk memantau kinerja tersebut, digunakan rasio profitabilitas yang dipengaruhi berbagai faktor. Penelitian ini dilakukan untuk mengetahui pengaruh kecukupan modal, likuiditas, risiko kredit dan efisiensi operasional terhadap profitabilitas Bank Umum Syariah. Data yang digunakan adalah statistik bulanan Bank Umum Syariah periode Januari 2015 – Desember 2020 yang dianalisis menggunakan regresi linear berganda. Hasil penelitian ini menunjukan bahwa liquiditas dan efisiensi operasional berpengaruh negatif signifikan terhadap profitabilitas Bank Umum Syariah. Kecukupan modal berpengaruh positif signifikan. Sedangkan NPF berpengaruh positif tidak signifikan terhadap profitabilitas Bank Umum Syariah.

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