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Faktor-faktor yang Mempengaruhi Minat Berinvestasi Saham Syariah Ratmojoyo, Yusuf Satrio; Supriyanto, Trisiladi; Nugraheni, Siwi
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

The purpose of this research to analyze the effect of financial literacy, risk, investment psychology, and social media on the investment interest of the people of Jakarta in Islamic stocks. The sample used in this study uses one hundred people who will represent the entire population. Data collection in this study was carried out using a questionnaire distributed by the purposive sampling technique. The statistical methods used are descriptive statistical analysis, classical assumptions, multiple linear regression, validity and reliability, and hypotheses using SPSS Statistics 23 application as a data processor. The results of this study are the influence of the independent variables simultaneously on the interest in investing in Islamic stocks. However, in a partial test, only financial literacy, risk, and investment psychology factors have a significant influence on interest in investing in Islamic stocks, while social media factors do not have a significant influence on interest in investing in Islamic stocks.Tujuan penelitian ini untuk menganalisis pengaruh literasi keuangan, risiko, psikologi investasi, dan media sosial terhadap minat berinvestasi masyarakat Jakarta pada saham syariah. Sampel yang digunakan berjumlah seratus orang yang mewakili seluruh populasi. Pengumpulan data penelitian dilakukan dengan menggunakan kuesioner yang disebar dengan teknik purposive sampling. Metode statistik yang digunakan adalah analisis statistik deskriptif, asumsi klasik, regresi linier berganda, validitas dan reliabilitas, serta hipotesis dengan menggunakan alat bantu berupa aplikasi SPSS Statistics 23 sebagai pengolah data. Hasil penelitian menunjukkan adanya pengaruh variabel bebas secara bersamaan terhadap minat berinvestasi saham syariah. Akan tetapi pada pengujian secara parsial, hanya faktor literasi keuangan, risiko, dan psikologi investasi yang memiliki pengaruh signifikan terhadap minat berinvestasi saham syariah, sedangkan faktor media sosial tidak memiliki pengaruh yang signifikan terhadap minat berinvestasi saham syariah.

Implementasi Restrukturisasi Murabahah di Masa Pandemi Covid-19 pada Bank BJB Syariah KCP Bogor Baity, Riesha Mawarni; Supriyanto, Trisiladi; Nugraheni, Siwi
Etihad: Journal of Islamic Banking and Finance Vol. 1 No. 2 (2021)
Publisher : UIN Kiai Ageng Muhammad Besari Ponorogo

The purpose of this study was to determine the implementation of murabaha financing restructuring at Bank BJB Syariah Bogor Branch and the implementation of financing restructuring based on POJK Number 48/POJK.03/2020 and DSN MUI Fatwa Number 47,47,49/DSN -MUI/II/2005 at Bank BJB Syariah Bogor Branch. This study uses qualitative research with a case study approach using data collection techniques through observation, interviews with three informants, and documentation of related parties from the Bank BJB Syariah Bogor branch. The results showed that the practice of restructuring murabaha financing at Bank BJB Syariah KCP Bogor was carried out as an effort to save non-performing financing. The implementation of restructuring when viewed from POJK, especially POJK 48 shows several important points that must be considered by banks. Bank BJB Syariah KCP Bogor, has guidelines for determining debtors affected by COVID-19. In addition, the implementation of the restructuring takes into account the DSN MUI Fatwa No. 47,48,49, regarding the settlement of problematic murabaha financing, the absence of additional costs, and the conversion of the contract.Tujuan penelitian ini adalah untuk mengetahui implementasi restrukturisasi pembiayaan murabahah pada Bank BJB Syariah cabang Bogor dan implementasi restrukturisasi pembiayaan berdasarkan POJK Nomor 48/POJK.03/2020 dan Fatwa DSN MUI No. 47,47,49/DSN-MUI/II/2005 di Bank BJB Syariah cabang Bogor. Penelitian ini menggunakan jenis penelitian kualitatif dengan pendekatan studi kasus menggunakan teknik pengumpulan data melalui observasi, wawancara dengan tiga informan dan dokumentasi terhadap pihak yang terkait dari Bank BJB Syariah cabang Bogor. Hasil dari penelitian menunjukkan bahwa praktek restrukturisasi pembiayaan murabahah di Bank BJB Syariah KCP Bogor dijalankan sebagai upaya penyelamatan pembiayaan yang bermasalah. Pelaksanaan restrukturisasi jika ditinjau dari POJK, khususnya POJK 48 menunjukkan beberapa poin penting yang harus diperhatikan oleh perbankan. Bank BJB Syariah KCP Bogor, memiliki pedoman untuk menetapkan debitur yang terdampak COVID-19. Selain itu pelaksanaan restrukturisasi memperhatikan Fatwa DSN MUI No 47,48,49, mengenai penyelesaian pembiayaan murabahah bermasalah, tidak adanya tambahan biaya dan konversi akad.

Strategi Investasi Syariah Dana Haji: Analisis Kepatuhan Syariah sebagai Pilar Transformasi Badan Pengelola Keuangan Haji Prabowo, Muhammad Agung; Supriyanto, Trisiladi; Mubarok, Jaih
INOVASI Vol. 11 No. 1 (2024): Inovasi: Jurnal Ilmiah Ilmu Manajemen
Publisher : Universitas Pamulang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32493/Inovasi.v11i1.p240-250.40826

Pengelolaan dana haji merupakan aspek penting dalam pelaksanaan ibadah haji bagi umat Islam. Badan Pengelola Keuangan Haji (BPKH) bertugas mengelola dana haji dengan menerapkan prinsip investasi syariah. Penelitian ini bertujuan untuk menganalisis strategi investasi syariah yang diterapkan BPKH dan mengevaluasi kepatuhan syariah sebagai pilar utama transformasi BPKH menjadi lembaga pengelola dana haji terbaik di dunia. Metode penelitian yang digunakan adalah analisis deskriptif dengan pendekatan kualitatif. Pengumpulan data dilakukan melalui studi literatur, wawancara dengan pihak terkait, dan analisis laporan keuangan serta dokumen resmi BPKH. Analisis dilakukan untuk mengevaluasi kepatuhan syariah dalam strategi investasi dan mengidentifikasi faktor-faktor yang mendukung dan menghambat transformasi BPKH. Hasil penelitian menunjukkan bahwa BPKH telah menerapkan berbagai instrumen investasi syariah yang sesuai dengan prinsip syariah, seperti sukuk, reksa dana syariah, dan investasi pada sektor riil halal. Namun ada beberapa tantangan yang dihadapi, seperti kompleksitas regulasi, terbatasnya instrumen investasi syariah di pasar, dan perlunya peningkatan kapasitas sumber daya manusia. Kepatuhan syariah terbukti menjadi pilar utama dalam membangun kepercayaan dan kredibilitas BPKH di mata jamaah haji dan masyarakat luas. Penerapan prinsip syariah dalam investasi tidak hanya menjamin legalitas dan kehalalan pengelolaan dana, namun juga mendukung tujuan ekonomi syariah untuk mencapai kesejahteraan dan keadilan sosial. Penelitian ini merekomendasikan perlunya penguatan regulasi, diversifikasi instrumen investasi syariah, serta peningkatan kapasitas pendidikan dan sumber daya manusia untuk mendukung transformasi BPKH. Dengan penerapan strategi yang tepat dan dukungan berbagai pihak, BPKH mempunyai potensi besar untuk menjadi lembaga pengelola dana haji terbaik di dunia, memberikan manfaat optimal bagi jamaah haji dan masyarakat secara keseluruhan.

ANALISIS FAKTOR PENYEBAB KEGAGALAN 212 MART DITINJAU DARI LOYALITAS ANGGITA Irawan Putra, Hari; Supriyanto, Trisiladi; Ayuniyyah, Qurroh
Kasaba Vol 16 No 2 (2023): Kasaba: Jurnal Ekonomi Islam
Publisher : Universitas Ibn Khaldun Bogor

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The objectives of this study are 1) To find out the cause of the failure of 212 Mart Bojongkulur, 2) To find out the cause of the lack of loyalty of shopping members, and 3) To find out the efforts taken by the cooperative management to retract the loyalty of shopping members. The research method used is qualitative, the researcher tries to build rational arguments about everything, to explore the problems that cause 212 Mart to fail to develop, especially 212 Mart Bojongkulur. Data collection techniques in this study using observation, interviews, and documentation. The results of this study indicate that the factors causing the failure of 212 Mart Bojongkulur in terms of member loyalty are the lack of commitment from members to shop at 212 Mart, caused by the lack of understanding of members about the cooperative concept, most cooperative members only become investors, the goods at 212 Mart are expensive, more expensive than the market price, and the available goods are incomplete.

ANALISIS EFISIENSI KINERJA BANK SYARIAH MENGGUNAKAN DATA ENVELOPMENT DAN SHARIA MAQOSID INDEX TAHUN 2018-2020 Hibatullah, Ilham; Supriyanto, Trisiladi; Syauqi Beik, Irfan
Kasaba Vol 16 No 2 (2023): Kasaba: Jurnal Ekonomi Islam
Publisher : Universitas Ibn Khaldun Bogor

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Measurement of financial performance, including in Islamic banks, can be done by analyzing the ratios of financial statements. This analysis is needed to determine the extent to which banks have made certain achievements, especially in formulating strategic policies of an Islamic bank. This study aims to measure the efficiency of the performance of Islamic banks in Indonesia, Malaysia, Saudi Arabia, Pakistan, United Arab Emirates and Bahrain using the Data Envelopment approach. Analysis (DEA) and Sharia Maqashid Index (SMI), so that Islamic banks can continue to improve the quality of services and benefits to the community and can compete in the global financial industry.

PENGUKURAN KINERJA KEUANGAN BUS MENGGUNKAN ISLAMICITY PERFORMANCE INDEX Mabruroh, Mabruroh; Supriyanto, Trisiladi; Ayuniyyah, Qurroh
Kasaba Vol 16 No 2 (2023): Kasaba: Jurnal Ekonomi Islam
Publisher : Universitas Ibn Khaldun Bogor

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The development of Islamic banking in Indonesia today has experienced a rapid increase both in quantity and quality. As an institution that operates based on sharia principles, Islamic banks have different characteristics and assessments of financial performance from conventional banks. Islamicity Performance Index is one of the new concepts as a method that can be used to evaluate the performance of Islamic banks which are not only financially but also able to evaluate the principles of fairness and halalness of an Islamic banking. This study aims to reveal the application of sharia principles to the performance of Islamic Commercial Banks in Indonesia for the 2017-2020 period by using the Islamicity Performance Index.

Faktor Dominan Yang Mempengaruhi Pertumbuhan Aset Pada Lembaga Keuangan Mikro Syariah Di Jawa Barat Ali Fikri, Muhammad; Supriyanto, Trisiladi; Ayuniyyah, Qurroh
Jurnal Ilmiah Ekonomi Islam Vol. 9 No. 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.9934

This study aims to determine the dominant factors affecting the growth of assets of Islamic Microfinance Institutions in West Java. Besides this research is aimed at finding out how much influence the Third-Party Funds (DPK), Financing Received (PYD), Capital, Non-Performing Finance (NPF) and Profit (SHU) on the Growth of Assets of Islamic Microfinance Institutions in West Java. This research was conducted at Koperasi Simpan Pinjam dan Pembiayaan Syariah (KSPPS) in West Java with data collection techniques based on published data that have been validated in RAT and analyzed using descriptive analysis methods with a quantitative approach. The variables examined in this study are the variables of DPK, PYD, capital, NPF and Sisa Hasil Usaha (SHU) as independent variables and Asset as the dependent variable. As for testing the hypothesis, multiple correlation regression analysis was used with significance level of 0.05 with the help of the SPSS Version 26 and Microsoft Excel 2019 programs. The results of data processing and analysis in this study can be concluded that the dominant factor affecting the growth of LKMS assets that 1) TPF has a significant effect on assets 2) PYD has a significant effect on assets. 3) Capital has a significant effect on assets 4) NPF does not have a significant effect on assets 5) SHU does not have a significant effect on assets. However, DPK, PYD, Capital, NPF and SHU altogether have an effect on Assets.

Pengukuran Kinerja Keuangan Bus Menggunakan Islamicity Performance Index Mabruroh, Mabruroh; Supriyanto, Trisiladi; Ayyuniyah, Qurroh
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.v10i2.13348

The development of Islamic banking in Indonesia today has experienced a rapid increase both in quantity and quality. As an institution that operates based on sharia principles, Islamic banks have different characteristics and assessments of financial performance from conventional banks. Islamicity Performance Index is one of the new concepts as a method that can be used to evaluate the performance of Islamic banks which are not only financially but also able to evaluate the principles of fairness and halalness of an Islamic banking.This study aims to reveal the application of sharia principles to the performance of Islamic Commercial Banks in Indonesia for the 2017-2020 period by using the Islamicity Performance Index. The ratios used are Profit Sharing Ratio, Zakat Performance Ratio, Equitable Distribution Ratio, Directors-Employees Welfare Ratio, Islamic Investment Vs Non-Islamic Investment, Islamic Income Vs Non-Islamic Income and the AAOIFI Index. The data used in this research is secondary data. The population of this study is all Islamic Commercial Banks in Indonesia for the 2017-2020 period, with a sample of five banks. Sampling was carried out using purposive sampling method. From the results of this study, it was found that the performance of Islamic banks can be said to be "unsatisfactory" because they have implemented profit sharing in accordance with Islamic rules and sharia, although the share of profit sharing is still lower than other financing. Islamic banks in issuing zakat are still not maximal, namely below 1%. In distribution to stakeholders, Islamic banks have issued qards and donations, providing employee salaries and net income which are still not felt by the benefits of the stakeholders. In the comparison of the average salary of directors with the average salary of employees, there is a difference in the average salary which is too high so that justice must be upheld in Islamic institutions to reduce the gap between directors and employees. Islamic Commercial Banks invest their funds in the halal sector with a ratio yield of 100% and already have 99% income from halal income. Shariah principles set by AAOIFI as a whole have been fulfilled by Sharia Commercial Banks in terms of promotion costs, risk-weighted assets, non-performing financing, interest-free income, profitability and distribution of zakat, although many of these points have not been maximized. The conclusion is that Islamic Commercial Banks in Indonesia still need to evaluate their performance for a better future.

Analysis Determinants of Investment Interest in Sharia Securities Crowdfunding Platforms Nugroho, Amal Fathullah; Supriyanto, Trisiladi; Tanjung, Hendri
Jurnal Ekonomi Vol. 13 No. 01 (2024): Jurnal Ekonomi, Edition January - March 2024
Publisher : SEAN Institute

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Specific research regarding sharia Securities Crowdfunding (SCF) platforms, because researchers have only found studies that discuss sharia fintech and sharia crowdfunding. SCF is not yet known in the community because it is still relatively new. This research aims to analyze the determinants of investment interest among the public in investing in sharia securities crowdfunding (SCF) platforms using analysis through the TPB and TAM models. This research uses a quantitative descriptive research approach with a survey method to obtain data directly from the field. The analysis method used is SEM-PLS which aims to test the relationships between model variables and between indicators and their constructs, as well as the relationships between constructs. The result is that the TPB and TAM models do not have a significant positive effect on investment interest in the sharia SCF platform. The Use of Technology model has a significant positive effect, only the SI indicator does not have a significant positive effect on investment interest in the sharia SCF platform. Sharia Compliance with knowledge indicators does not have a significant positive effect. conversely, the confidence indicator has a significant positive effect on investment interest in the sharia SCF platform. The fact is that Sharia SCF is a relatively new investment alternative, so there needs to be more outreach from all policy stakeholders, both the government, sharia SCF companies, and the public who want to invest in sharia SCF. The recommendation is to more intensively socialize SCF sharia so that it is known to the public from various aspects.

Analysis Determinants Of Investment Interest In Sharia Securities Crowdfunding Platforms Nugroho, Amal Fathullah; Supriyanto, Trisiladi; Tanjung, Hendri
Jurnal Ekonomi Vol. 13 No. 02 (2024): Jurnal Ekonomi, Edition April - June 2024
Publisher : SEAN Institute

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

Specific research regarding sharia Securities Crowdfunding (SCF) platforms , because researchers have only found studies that discuss sharia fintech and sharia crowdfunding . SCF is not yet known in the community because it is still relatively new. This research aims to analyze the determinants of investment interest among the public in investing in sharia securities crowdfunding (SCF) platforms using analysis through the TPB and TAM models. This research uses a quantitative descriptive research approach with a survey method to obtain data directly from the field. The analysis method used is SEM-PLS which aims to test the relationships between model variables and between indicators and their constructs, as well as the relationships between constructs. The result is that the TPB and TAM models do not have a significant positive effect on investment interest in the sharia SCF platform. The Use of Technology model has a significant positive effect, only the SI indicator does not have a significant positive effect on investment interest in the sharia SCF platform. Sharia Compliance with knowledge indicators does not have a significant positive effect. conversely, the confidence indicator has a significant positive effect on investment interest in the sharia SCF platform. The fact is that Sharia SCF is a relatively new investment alternative, so there needs to be more outreach from all policy stakeholders, both the government, sharia SCF companies, and the public who want to invest in sharia SCF. The recommendation is to more intensively socialize SCF sharia so that it is known to the public from various aspects.

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