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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 : 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

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (331.256 KB)

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. Companies need to formulate the right marketing strategy in order for their products to survive and compete with competitors, one of which is product-specific recommendations. This study aims to analyze the factors that influence consumers' intentions to recommend halal beauty products. This study used Structural Equation Modeling (SEM) with the SmartPLS 3 analysis tool. Primary data was obtained from a survey of 180 samples of people in the city of South Tangerang. The results of the study show that customer satisfaction, product quality, and customer experience have a positive and significant impact on the intention to recommend halal beauty products, while trust does not have a significant effect on the intention to recommend halal beauty products. Keywords: Halal cosmetics, customer satisfaction, trust, product quality, customer experience, intention to recommend. DAFTAR PUSTAKA Abu Bakar, E., Rosslee, N. N., Mastura, A., Ariff, M., Othman, M., & Hashim, P. (2017). 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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.

Analisis Efisiensi dan Produktivitas Bank Umum Syariah di Indonesia Nur Khalimah; Edy Yusuf Agung Gunanto
MALIA: Journal of Islamic Banking and Finance Vol 6, No 1 (2022): Malia: Journal of Islamic Banking and Finance
Publisher : IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/malia.v6i1.13629

The development of Islamic Commercial Banks in Indonesia is still not optimal. 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) and measures the level of productivity using malmquist index. The results show that the overall efficiency of Islamic commercial banks in Indonesia has decreased. The decreased because five Islamic Commercial Banks have not maximized their inputs and outputs so that inefficiency. This inefficiency is accompanied by a decrease in productivity. The results of the malmquist index show productivity in 2016-2017 is better than 2017-2018 with an increase in productivity in 2016-2017 reaching 67% and in 2017-2018 it decreased to 25%. The increase and decrease is dominated by technology companies (frontier shift). This makes technological innovation one that needs attention.

STRUKTUR JARINGAN SPASIAL EKONOMI PARIWISATA DI AGLOMERASI PERKOTAAN : PENDEKATAN SOCIAL NETWORK ANALYSIS: Ekonomi pariwisata, Struktur jaringan spasial, Model gravitasi ekonomi pariwisata, Social Network Analysis. Sausan Maulifa Wahyudi; Edy Yusuf Agung Gunanto
Jurnal Manajemen Perhotelan dan Pariwisata Vol. 5 No. 1 (2022)
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/jmpp.v5i1.46953

Aglomerasi wilayah yang terjadi di koridor lintas Provinsi berpotensi membentuk suatu jaringan kerjasama sektor ekonomi pariwisata untuk mendorong pengembangan hubungan ekonomi pariwisata yang terkoneksi antar daerah di lintas Provinsi. Penelitian ini bertujuan untuk menganalisis kekuatan koneksi ekonomi pariwisata serta menganalisis karakteristik jaringan spasial ekonomi pariwisata antar daerah lintas Provinsi Daerah Istimewa Yogyakarta-Jawa Tengah. Metode analisis yang digunakan yaitu metode model gravitasi ekonomi pariwisata dan metode Social Network Analysis. Berdasarkan hasil penelitian menunjukkan bahwa daerah yang memiliki koneksi terkuat dengan daerah lain yaitu Kota Yogyakarta dan Kabupaten Sleman yang berperan sebagai kekuatan dominan dalam transmisi faktor ekonomi pariwisata. Struktur jaringan ekonomi pariwisata antar Kabupaten/Kota yang berada dalam jaringan memiliki interaksi yang masih lemah sehingga masih banyak ruang yang perlu dimanfaatkan untuk kerjasama ekonomi pariwisata. Dengan ini diharapkan pemerintah daerah dapat melakukan integrasi spasial dan kerjasama ekonomi pariwisata di aglomerasi wilayah lintas provinsi DIY-Jawa Tengah.

EFFICIENCY ANALYSIS OF CONVENTIONAL BANKS AND ISLAMIC BANKS BEFORE AND DURING COVID-19 Silvia Dwi Aryanti; Edy Yusuf Agung Gunanto
Berkala Akuntansi dan Keuangan Indonesia Vol. 7 No. 2 (2022): Berkala Akuntansi dan Keuangan Indonesia
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/baki.v7i2.36183

This study aims to analyze the efficiency level of conventionalcommercial banks and Islamic commercial banks in Indonesia fromthe first quarter of 2018 - the fourth quarter of 2020. This researchperiod is third year with the data used are 12 commercial banks anduses a quantitative approach. The method used in this research isStochastic Frontier Analysis (SFA). The results of this study are thatconventional commercial banks are more efficient than Islamiccommercial banks both before the COVID-19 pandemic and duringthe COVID-19 pandemic, more over there are differences in efficiencybetween conventional commercial banks and Islamic commercialbanks.

ANALYSIS OF LEADING SECTOR LINKAGES IN THE PURWOMANGGUNG AREA Siti Rikhanatul Ummah; Edy Yusuf Agung Gunanto
Jurnal REP (Riset Ekonomi Pembangunan) Vol. 8 No. 1 (2023): April 2023
Publisher : Universitas Tidar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31002/rep.v8i1.201

This study intends to identify the linkages of leading sectors to the economy in the Purwomanggung area, Central Java. Secondary data for the period 2012-2021 was collected from the Central Statistics Agency (BPS) of Central Java, as well as BPS for each district/city in the Purwomanggung area. In this study, analysis of Shift Share, Moran's Index, and LISA is used. The dominant leading sectors owned by districts/cities in the Purwomanggung area are the agricultural sector, the construction sector, and the wholesale and retail trade sector. There is a spatial correlation in the results of spatial linkages based on the leading sector that dominates with a high scale of regional observation and is surrounded by a nearby environment that has a high scale (High-High), a high regional observation value and is surrounded by a nearby environment of lower value ( High-Low), a low area observation value surrounded by a nearby environment with a higher value (Low-High), and a low area observation value surrounded by a low-value nearby environment (Low-Low). The results of linear regression analysis demonstrate which sectors have a substantial impact on growth. The wholesale and retail trade sector is another regional economy with the largest geographical links. While the agriculture and construction sectors have a considerable impact on economic growth in other areas.

Shariah Mobile Banking Adoption Trends: Analysis Mob Mentality, Reputation, Perceived Risk, and Islamic Financial Literacy Fitri Fadilah Widyaputri; Edy Yusuf Agung Gunanto
Jurnal Ekonomi Syariah Teori dan Terapan Vol. 10 No. 5 (2023): September-2023
Publisher : Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/vol10iss20235pp482-495

ABSTRACTThis study aimed to analyze the factors that influence customer decisions in using Islamic mobile banking services. In this study, a total of 200 respondents were collected through purposive sampling technique with the criteria of having used or currently using mobile banking services from Islamic banks in Semarang City, respondents answered online surveys through google forms as primary data collection. The methodology in this study was using PLS-SEM. The study findings show that the factors of mob mentality, reputation, perceived risk, and Islamic financial literacy have a positive and significant influence on the decision to use Islamic mobile banking. The four factors have a total influence of 87% on the decision to use Islamic mobile banking services. This finding implies that these factors need to be considered by customers and banks. Islamic banking must continue to strive for a level of security, data confidentiality and customer trust in a more creative, convenient, and effective mobile banking features and services system so that customers still feel their decision to use Islamic mobile banking services is right.Keywords: Mob Mentality, Reputation, Perceived Risk, Islamic Financial Literacy. ABSTRAKStudi ini memiliki tujuan untuk menganalisis faktor-faktor yang berpengaruh terhadap keputusan nasabah dalam menggunakan layanan mobile banking syariah. Pada studi ini, dikumpulkan sejumlah 200 responden melalui teknik purposive sampling dengan kriteria pernah atau sedang menggunakan layanan mobile banking dari bank syariah di Kota Semarang, responden menjawab survei secara online melalui google forms sebagai pengumpulan data primer. Metodologi pada penelitian ini yaitu menggunakan PLS-SEM. Hasilnya menunjukkan bahwa faktor-faktor mentalitas gerombolan, reputasi, persepsi akan resiko, dan literasi keuangan syariah memiliki pengaruh positif dan signifikan terhadap keputusan penggunaan mobile banking syariah. Keempat faktor tersebut memiliki total pengaruh sebesar 87% terhadap keputusan penggunaan layanan mobile banking syariah. Penemuan ini memberikan implikasi bahwa faktor-faktor tersebut perlu dipertimbangkan oleh nasabah dan pihak perbankan. Perbankan syariah harus tetap mengupayakan tingkat keamanan, kerahasiaan data dan kepercayaan nasabah dalam sistem fitur dan layanan mobile banking yang lebih kreatif, nyaman, serta efektif agar nasabah tetap merasa keputusannya menggunakan layanan mobile banking syariah adalah tepat.Kata Kunci: Mob Mentality, Reputation, Perceived Risk, Islamic Financial Literacy.

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