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All Journal Jurnal Penelitian Ekonomi dan Bisnis I-Finance Journal Al-Amwal : Jurnal Ekonomi dan Perbankan Syari\'ah Perisai : Islamic Banking and Finance Journal Economica: Jurnal Ekonomi Islam Jurnal Riset Keuangan dan Akuntansi (JRKA) Shirkah: Journal of Economics and Business TSAQAFAH Jurnal Tabarru': Islamic Banking and Finance FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Journal of Enterprise and Development (JED) MALIA: Journal of Islamic Banking and Finance Jurnal Ilmu Perbankan dan Keuangan Syariah Ulumuna Etihad: Journal of Islamic Banking and Finance El-Ecosy : Jurnal Ekonomi dan Keuangan Islam Islamic Banking : Jurnal Pemikiran dan Pengembangan Perbankan Syariah Akuntansi'45 Jurnal Ekonomika dan Bisnis Islam Akademika : Jurnal Pemikiran Islam Jurnal Perbankan Syariah Darussalam (JPSDa) AT-TIJARAH: Journal Islamic Banking and Finance Research Jurnal Nuansa: Publikasi Ilmu Manajemen dan Ekonomi Syariah INASJIF Jurnal Akuntansi, Keuangan, Perpajakan dan Tata Kelola Perusahaan Journal of Management and Innovation Entrepreneurship (JMIE) Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah Ziswaf Asfa Journal Journal of Development Economics and Digitalization, Tourism Economics (JDEDTE) Jurnal Bisnis Inovatif dan Digital Journal of Finance and Islamic Banking Jurnal Perbankan Syariah Al-bank: Journal of Islamic Banking and Finance Jurnal Kajian Ekonomi dan Perbankan Syariah JPS (Jurnal Perbankan Syariah) International Journal of Islamic Business and Economics (IJIBEC) Jurnal Ekonomi, Manajemen, Akuntansi
Budi Sukardi
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Industrial & Manufacturing Engineering Law, Crime, Criminology & Criminal Justice Social Sciences Other

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ADOPTION OF THE TECHNOLOGY ACCEPTANCE MODEL (TAM) IN LINKAJA SYARIAH INDONESIA DIGITAL PAYMENT SERVICE Multi, Ariana Sindi; Sukardi, Budi; Asmanto, Eko
Jurnal Tabarru': Islamic Banking and Finance Vol. 7 No. 1 (2024): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2024.vol7(1).16554

Abstract

Kehadiran layanan teknologi finansial dan inovasi produk layanan digital telah menjadi revolusi industri dan persaingan global dalam memajukan industri keuangan berbasis teknologi, namun pemenuhan layanan teknologi finansial belum mampu memenuhi nilai-nilai kepatuhan syariah. Penelitian ini menguji pengaruh persepsi kemudahan penggunaan terhadap persepsi kebermanfaatan penggunaan, niat perilaku untuk menggunakan, dan penggunaan sistem secara aktual pada pengguna layanan LinkAja Syariah di Kota Surakarta. Penelitian ini menggunakan metode kuantitatif dengan populasi masyarakat Kota Surakarta dengan mengambil sampel sebanyak 100 responden. Analisis data dilakukan dengan menggunakan Partial Least Squares Structural Equation Model dengan Smart-PLS3. Penelitian membuktikan bahwa persepsi kemudahan penggunaan berpengaruh signifikan terhadap persepsi kemanfaatan pembayaran digital pada layanan LinkAja Syariah. Persepsi Kemanfaatan dan Kemudahan Penggunaan berpengaruh signifikan terhadap Niat Perilaku untuk menggunakan LinkAja Syariah. Niat perilaku untuk menggunakan dan kemudahan penggunaan berpengaruh signifikan terhadap penggunaan sistem aktual LinkAja Syariah. Persepsi Kebermanfaatan tidak berpengaruh terhadap sistem aktual penggunaan LinkAja Syariah.
EXAMINING INDONESIA'S ISLAMIC COMMERCIAL BANKS HEALTH STATUS USING THE RBBR METHOD Puspita Sari, Anggi; Sukardi, Budi
AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah Vol. 5 No. 2 (2023): AT-TIJARAH: Jurnal Penelitian Keuangan dan Perbankan Syariah
Publisher : Fakultas Ekonomi dan Bisnis Islam - IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/attijarah.v5i2.2131

Abstract

The scientific importance of Indonesia's Islamic banks' state is the focus of this study using a strategy based on the Risk-based Bank Rating technique. This quantitative descriptive research analyzes the health of Indonesia's Islamic commercial banks, namely Bank Syariah Indonesia and Bank Muamalat Indonesia, for the years 2019 to 2022, focusing on the degree of bank health as measured by the RBBR approach. The study's data analysis leads to the conclusion that Bank Syariah Indonesia's overall condition is represented by a Composite Rank 2 (PK-2) of 85% in 2019, meaning that it is deemed "Healthy" and capable of withstanding significant negative influences from changes in business conditions and other external factors. However Bank Muamalat Indonesia's overall composite rating (PK3), or "Healthy Enough," corresponds to the bank's evaluation of its health level from 2019 to 2022 using the Risk-based Bank Rating method, which includes indicators of Risk Profile, Good Corporate Governance, Earnings (Rentability), and Capital as a whole.
How are Muslims Interested in Using Sharia Insurance? Empirical Study of Karanganyar Community in Indonesia Jannah, Fadzkhul; Sukardi, Budi
Etihad: Journal of Islamic Banking and Finance Vol. 3 No. 2 (2023)
Publisher : Institut Agama Islam Negeri Ponorogo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21154/etihad.v3i2.7369

Abstract

Introduction: Indonesia is a densely populated country where most of the population is Muslim. These conditions, such as Sharia insurance, can be an excellent opportunity for the Sharia sector. However, in general, the development of the sharia sector is not as significant as the development of conventional finance. Research Methods: This study is quantitative. Used in this research is the descriptive quantitative method. The number of samples in this study was 83 respondents. Respondents in this study were the Muslim community of Karanganyar. The sampling technique used is probability sampling, namely, giving questionnaires to respondents. The tests used to prove and analyse the data are validity, reliability, classical assumption, model determination, multiple linear regression, F-test, and t-test. Results: This study approves that religiosity, knowledge, income, and promotion positively affect the Muslim community's interest in using Sharia insurance in Karanganyar community, Central Java, Indonesia. Conclusion: Religiosity and promotion positively and significantly affect the Muslim community's interest in using Sharia insurance. Knowledge and income do not positively affect the Muslim community's interest in using Sharia insurance.
Commercial and social activities of Indonesian Islamic banks: do they relate? Sukardi, Budi; Nur, Muhammad Alan; Fachrurazi, Fachrurazi; Husaen, Fuad Dhiya Ul; Asmanto, Eko
Journal of Enterprise and Development (JED) Vol. 4 No. 2 (2022): Journal of Enterprise and Development (JED)
Publisher : Faculty of Islamic Economics and Business of Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/jed.v4i2.5584

Abstract

Purpose — This study investigates the relationship between commercial and social activities in Indonesian Islamic banks.Method — This study employed a Panel Vector Error Correction Model (PVAR) model with Impulse Response Function (I.R.F), Variance Decomposition (V.D.C), and Granger Causality. Observations were conducted from 2010 to 2020 on eight Islamic banks in Indonesia, representing 72.72 percent of the total Islamic banking population in Indonesia. The collecting of data pertains to the yearly financial report. Social activities are based on the amount of zakat fund distribution (ZKT) and benevolence fund distribution (DKB). Commercial activities are based on Islamic banking financial ratios that are proxied by Return on Assets (ROA), Financing to Deposit Ratio (FDR), and Non-Performing Financing (NPF).Result — The results showed that social activities in Indonesian Islamic banks are influenced by their commercial activities, but it does not apply vice versa. In other words, there is a one-way relationship between commercial and social activities in Indonesian Islamic banks.Contribution — This study contributes by studying the relationship between commercial and social activities by using the PVAR model with the analysis of Impulse Response Function (I.R.F), Variance Decomposition (V.D.C), and Granger Causality which so far have not been explored.
Pengaruh Rasio Keuangan Terhadap Pembiayaan Bermasalah PT Bank Muamalat Tbk Sari, Anggi Puspita; Muhammad Alan Nur; Budi Sukardi
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 5 No 1 (2023)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v5i1.191.67-82

Abstract

Tujuan dari studi penelitian ini ialah untuk menguji apakah dampak pengaruh dari rasio keuangan terhadap pembiayaan bermasalah PT Bank Muamalat Tbk dengan indikator seluruh rasio keuangan meliputi rasio keuangan likuditas (FDR), solvabilitas (ROA), (ROE), (NIM) dan biaya operasional (BOPO) serta rentabilitas (CAR). Populasi penelitian dengan mengacu pada laporan keuangan pada PT Bank Muamalat Tbk tahun 1998 hingga 2021 menggunakan metode purposive sampling untuk pengambilan sampel. Dalam studi penelitian ini data diolah dengan alat analisis yaitu aplikasi olah data Eviews 12 menggunakan Metode Least Square (LS) yang menghasilkan nilai parameter model penduga yang lebih tepat, apakah model tersebut menyimpang dari asumsi klasik ataupun tidak serta merupakan teknik peramalan yang menggunakan data deret waktu untuk mengidentifikasi suatu tren tertentu. Digunakan dalam studi penelitian ini, untuk mengolah data dan menguji Asumsi Klasik menggunakan uji regresi linear berganda (Multikolinearitas, Autokorelasi, Heteroskedastisitas, Normalitas, dan Linearitas) serta regresi linier berganda juga diuji. Temuan penelitian ini menunjukkan bahwasanya likuiditas tidak berpengaruh terhadap NPF Nett, rentabilitas berpengaruh terhadap NPF Nett pada variabel ROA, ROE, NIM. Sedangkan variabel BOPO pada rentabilitas tidak memiliki pengaruh terhadap NPF Nett. Serta solvabilitas terbukti signifikan berpengaruh terhadap NPF Net. Dalam hal ini, CAR yang menilai kecukupan modal yang dimiliki suatu bank untuk menentukan solvabilitas berpengaruh terhadap tingkat berapa pembiayaan bermasalah yang terjadi di PT Bank Muamalat Tbk.
Religiosity, Knowledge, and Satisfaction on Students' Saving Decisions: A Moderating Effect of Interest in Islamic Banks Aunika, Vita; Sukardi, Budi; Adib Susilo
Jurnal Ilmu Perbankan dan Keuangan Syariah Vol 6 No 1 (2024)
Publisher : Program Studi Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam UIN Datokarama Palu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24239/jipsya.v6i1.256.101-126

Abstract

This study aims to determine the effect of religiosity, knowledge, and satisfaction on saving decisions in Islamic banks with interest as an intervening variable with a case study of Greater Solo students. This study employed quantitative methods using primary data. The sampling technique used was simple random sampling. Data collection was done by distributing questionnaires via Google Forms. The sample size was 200 students from Solo Raya. This study used the SMART-PLS analysis tool with the Partial Least Square Structure Equation Model (PLS-SEM) analysis model. The results of SEM-PLS research prove that religiosity and satisfaction significantly affect interest in saving in Islamic banks. Knowledge has no significant effect on interest in saving in Islamic banks. Interest, religiosity, and satisfaction significantly affect saving decisions at Islamic banks. Interest has a significant effect in mediating religiosity and satisfaction on saving decisions at Islamic banks. Meanwhile, interest does not affect the mediating effect of knowledge on saving decisions in Islamic banks. The research has implications for proving the low level of student knowledge regarding sharia financial literacy, by encouraging student awareness regarding sharia financial literacy in sharia financial practices. Increasing sharia financial literacy will contribute to improving the sharia economy.
ANALISIS RASIO KEUANGAN TERHADAP KINERJA BANK SYARIAH INDONESIA PASCA MERGER Puspita Ningrum, Ratih; Alan Nur, Muhammad; Sukardi, Budi
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 3 (2023): Desember
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n3.p43-51

Abstract

Financial performance describes an achievement over a certain period of time on the procedures for managing a bank's finances. This research aims to measure how the performance of Indonesian Sharia Banks in 2022 so that it can be ranked as the 6th largest bank in Indonesia. Descriptive research method using financial ratio analysis, the ratio used is the ratio of liquidity, profitability, and solvency. The results in this study indicate that the FDR ratio of Indonesian Sharia Banks performs in a poor category, because it does not meet BI regulatory standards. While the cash ratio, ROA, ROE, BOPO, and CAR are in good condition, because these ratios comply with BI regulations. The implications of this research for readers can be used as a reference for writing further scientific papers. Meanwhile, companies, especially Bank Syariah Indonesia, are expected to improve their financial performance so they can improve their performance in 2023.
Pengaruh Sukuk Korporasi dan Inflasi Terhadap Profitabilitas Bank Umum Syariah Selama Pandemi Covid-19 Qulub, Ana Fidatul; Muhammad Alan Nur; Budi Sukardi
Jurnal Ekonomika dan Bisnis Islam Vol 6 No 2 (2023): Agustus
Publisher : Universitas Negeri Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.26740/jekobi.v6n2.p101-113

Abstract

The Covid-19 pandemic has had an impact on various sectors including the economy. In the Islamic capital market with corporate sukuk instruments, it shows an increase in the total outstanding value of 42%, while in Islamic Commercial Banks it shows an increase in ROA of 0.12%, both of which recorded growth. Supposedly, as an institution looking for investors the relationship they have is negative. On the other hand, the inflation rate in Indonesia during the pandemic has also increased quite high. So this study aims to examine the effect of corporate sukuk and inflation on the ROA of Islamic Commercial Banks during the Covid-19 pandemic. This research is a quantitative study using samples from January 2020-December 2022 with the help of e-views 12 software. Based on the results of the analysis, only corporate sukuk have a significant positive effect on Return on Assets of Islamic Commercial Banks, while inflation is not significant. Simultaneously, both have a significant positive effect on the Return on Assets (RO) of Islamic Commercial Banks. So for Islamic Commercial Banks it is necessary to pay attention to the existence of corporate sukuk and the inflation rate because it has an impact on ROA which will ultimately have an impact on the performance of the banking itself.
KEPATUHAN SYARIAH (SHARIAH COMPLIANCE) DAN INOVASI PRODUK BANK SYARIAH DI INDONESIA Sukardi, Budi
AKADEMIKA: Jurnal Pemikiran Islam Vol 17 No 2 (2012): Memperkuat Citra Islam sebagai Agama Perdamaian
Publisher : Lembaga Penelitian dan Pengabdian kepada Masyarakat, Institut Agama Islam Negeri Metro

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

Abstract

Dampak globalisasi keuangan (financial global) dan pasar bebas (laissez-faire) berdampak pada kehati-hatian pelaku industri dan bisnis keuangan Islam untuk menjaga aspek kepatuhan syariah (shariah compliance) sebagai alat pencegahan kemungkinan resiko dan fraud di sektor riil. Begitu juga tantangan terhadap inovasi produk keuangan harus dilakukan dengan melakukan penyesuaian antara manfaat, dinamika masyarakat serta kondisi perekonomian global. Ini diterapkan untuk membuktikan bahwa nilai-nilai Islam mampu dan eksis dalam persaingan bisnis, perdagangan di era globalisasi modern serta menjaga keberlangsungan usaha (sustainability) perbankan Islam di Indonesia. Fungsi kepatuhan sebagai tindakan dan langkah yang bersifat ex-ante (preventif), untuk memastikan kebijakan, ketentuan, sistem dan prosedur, serta kegiatan usaha yang dilakukan oleh Bank Islam. Untuk itu, Bank Islam wajib memahami seluruh ketentuan perundangan yang berlaku, sehingga menjadi tanggung jawab setiap individu dari jajaran tertinggi yaitu Direksi sampai pegawai terendah jajaran Bank. Begitu juga inovasi produk perbankan Islam mengacu pada standar syariah (shariah standards) dan shariah governance, berpedoman pada standar internasional, pemenuhan integritas dan kualitas sumber daya manusia perbankan Islam, kesesuaian akad, dan tidak mendzalimi masyarakat sebagai konsumen. Hal ini menjadi penting, bahwasannya jika bank Islam tidak bisa menjaga nilai-nilai Islam dalam bisnis dan persaingan keuangan global, maka berarti nilai-nilai Islam tidak sesuai dan tidak relevan dengan zaman. The impact of financial globalization and the laissez-faire impact on prudential industry and Islamic finance businesses to maintain shariah compliance aspects as a means of fraud prevention and possible risks in the real sector. The challenge innovation of financial products has to do with adjusting the benefits, as well as the dynamics of the global economy. It’s applied to prove that Islamic values can exist in the business competition, trade in the modern era of globalization and to maintain sustainability business of Islamic banking in Indonesia. Compliance functions as actions and measures, both are preventive to ensure the policies, rules, systems and procedures, the business activities carried out by the Islamic Bank. That end, the Islamic Bank shall understand all the provisions of laws and regulations, so the responsibility of each individual from the board of directors to the lowest employee ranks of bank. Likewise, the Islamic banking product innovation refers to the sharia standards and sharia governance, based on the international standards, compliance the integrity and quality of human resources Islamic banking, contract compliance and not hurt people as consumers. This is important, if Islamic banks can not maintain Islamic values in the global business and financial competition, it means that Islamic values are not appropriate and irrelevant the times.
The Influence of Macroeconomic Factors on Economic Growth on Indonesia's Receipt and Distribution of ZIS Funding Sari, Anggi Puspita; Sukardi, Budi
ZISWAF ASFA Vol 2 No 1 (2024): ZISWAF ASFA Journal (May 2024)
Publisher : ASFA Foundation

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.69948/ziswaf.19

Abstract

Indonesia has significant potential for distributing zakat, which can effectively address issues such as poverty and inequality in the nation. The ratio of ZIS funds received and disbursed by BAZNAS RI serves as the dependent variable in this analysis, which utilizes secondary data from January 2017 to December 2021, illustrating the quantitative approach employed in this investigation. Macroeconomic variables that affect economic growth, such as GDP, interest rates, inflation, poverty, and total money in circulation (JUB), are the independent variables. This study utilized multiple linear regression analysis with the Least Squares (LS) methodology. The classical assumption test consists of many linear regression tests such as Multicollinearity, Autocorrelation, Heteroscedasticity, Normality, and Linearity. The amount of Money in Circulation (JUB) that decreases the poverty rate, and the effect of decreasing the unemployment rate in Indonesia are the findings of the study that will affect the feasibility of channeling ZIS funds in Indonesia. Therefore, it can be concluded that changes in the quantity of GDP, interest rates, and inflation will not affect the receipt or distribution of ZIS funds in Indonesia.
Co-Authors Abdullah, Agung Alan Nur, Muhammad Anggi Puspita Sari Annastya Ayu Pramesty Arizah, Putri Aunika, Vita Diyah Mulyani Dwi Surya Atmaja Fachrurazi Febtika Budiya Elsasari Felyna Priyanka Fourika Dela Putriana Fuad Dhiya Ul Husaen Fuad Dhiya Ul Husaen Hasyim, Fuad Husaen, Fuad Dhiya Ul Ilya Nur Rahmawati Imro Atul Luthfiyah Jannah, Fadzkhul Joko Robi Prasetyo Kurniati , Pratiwi Lalu Agus Satriawan Luluk Mu'afifah Mohammad Albizar Putra Riyadi Mufti Hidayatullah Muhammad Alan Nur Muhammad Kurnia Rahman Abadi Multi, Ariana Sindi Nazifah, Nauroh Novita Sari, Aprillia Nur, Muhammad Alan Nurul Khoiriyah Prihantono Puspita Ningrum, Ratih Puspita Sari, Anggi Qulub, Ana Fidatul Rahmawati, Novita Dina Riyani Rizky Ali Wardani Romadhon, Rizki Sari, Anggi Puspita Selsapagita, Indah Supriyanto Supriyanto Susilo, Adib . Wahyuning Satriasih Wardiana, Isma Widiatmini Widiatmini