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DAMPAK OFFICE CHANNELLING TERHADAP KENAIKAN THIRD PARTY DEPOSITS DAN RETURN ON ASSETS UNIT USAHA SYARI'AH Tenny Badina; Ina Indriana; Yeni Januarsi
Media Riset Bisnis & Manajemen Vol. 9 No. 2 (2009): Media Riset Bisnis & Manajemen
Publisher : Universitas Trisakti

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (913.681 KB) | DOI: 10.25105/mrbm.v9i2.1082

Abstract

The objectives of the research is to study and to analyze empirically the influence of office channelling on third party deposits and return on assets in Indonesian sharia business unit. Third party deposits and return on assets are used as indicators of sharia business unit performance after opening new branchs through office channelling program. The research uses korelasional method.The number of sharia business units taken as samples in the research cover about 10 sharia business unit in Indonesia which already publicate theirs own financial statements separated from their conventional banks financial statements. The data were analyzed using Ordinary Least Square Method.The result show that, firstly, office channelling statistically significant influence third party deposits, but secondly, office channelling statistically insignificant influence return on assets. This unpredicted result shows that the increase of third party deposits through office channelling program not automatically could increase return on assets. We found that the sharia business unit couldn't yet opfimally response the increase of third party deposits. The increasing of third party deposits were not followed yet by the good atocafions of fund.Keywords : Office channelling, Third party deposits, Return on assets, Sharia business unit, Performance
Pendampingan Pembuatan NIB Melalui Online Single Submission (OSS) Bagi Pelaku Usaha Mikro di Desa Domas Tenny Badina; Elif Pardiansyah; Isti Nuzulul Atiah; Bagus Dwi Cahyono
Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat Vol. 2 No. 6 (2022): November 2022 - Jurnal Altifani Penelitian dan Pengabdian kepada Masyarakat
Publisher : Indonesian Scientific Journal

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25008/altifani.v2i6.300

Abstract

Salah satu kendala yang dihadapi pelaku usaha mikro hingga saat ini adalah belum memiliki Izin Usaha dan Nomor Induk Berusaha (NIB). Kegiatan pengabdian ini bertujuan untuk memberikan pendampingan kepada para pengusaha mikro di Desa Domas terkait pembuatan akun dan tata cara pengurusan legalitas melalui Online Single Submission (OSS) hingga terbitnya NIB. Metode pelaksanaan kegiatan pengabdian dibagi ke dalam 5 tahap, yaitu: (1) melakukan survey awal dan permasalahan di lapangan; (2) Menyampaikan materi penting untuk memiliki NIB dan cara mendapatkannya melalui OSS; (3) pengumpulan persyaratan pendaftaran akun OSS; (4) membantu pendaftaran NIB melalui OSS; (5) Evaluasi. Hasil pengabdian ini sebanyak 13 pelaku usaha mikro di Desa Domas mengikuti pendampingan pengembangan NIB online melalui Online Single Submission sehingga mendapatkan: 1) Pengetahuan tentang manfaat dan pentingnya NIB bagi dunia usaha; 2) Mengetahui persyaratan pembuatan NIB secara online; 3) mengetahui dan mempraktekkan tata cara pengajuan NIB online melalui OSS; 4) enam dari tiga belas pelaku usaha mikro peserta pendampingan pembuatan NIB online di Desa Domas Kabupaten Pontang telah memperoleh NIB digital. Layanan pendampingan NIB bagi pelaku usaha mikro di Desa Domas memberikan manfaat positif. Umumnya mereka mengira mengurus izin usaha itu ribet, lama, dan berbayar, namun setelah mendapat pendampingan dari mahasiswa dan dosen FEB Untirta, kini mereka paham tata cara pembuatan izin NIB sangat mudah melalui OSS dan banyak keuntungannya bagi para pelaku usaha.
Pengaruh ukuran perusahaan, profitabilitas, leverage, efisiensi biaya, umur perusahaan dan ukuran dewan pengawas syariah terhadap Islamic social reporting pada perbankan syariah di Indonesia periode 2016-2020 Debi Rahmawati; Tenny Badina; Rita Rosiana; Ahmad Fatoni
Jurnal Rekoginisi Ekonomi Islam Vol. 1 No. 02 (2022)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v1i2.322

Abstract

This study aims to explain the variables of firm size, profitability, leverage, cost efficiency, firm age, size of the sharia supervisory board in influencing Islamic Social Reporting. The population in this study is Islamic banking in Indonesia which is registered with the Financial Services Authority (OJK) for the period 2016 – 2020. The data used in this study is panel data from 10 samples of selected companies, with a total sample of 50. Company size and company age have a negative and significant effect on ISR. The size of the sharia supervisory board has a positive and significant effect on ISR. Meanwhile, profitability, leverage, and cost efficiency have no significant effect on ISR.
Faktor-Faktor Yang Mempengaruhi Struktur Modal Perusahaan Solihatul Adawiyah; Tenny Badina; Mohamad Ainun Najib; Ahmad Fatoni
Jurnal Rekoginisi Ekonomi Islam Vol. 2 No. 01 (2023)
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam Nahdlatul Ulama Jepara

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34001/jrei.v2i01.502

Abstract

This study aims to explain the variables of firm size, profitability, tangibility and non-debt tax shield in influencing the company's capital structure. The research population is Manufacturing Companies listed on the Indonesian Sharia Stock Index (ISSI) for the 2016-2021 period. The data used in this study is panel data from 16 samples of selected companies, with a total sample of 54. The results show that firm size, profitability, tangibility, and non-debt tax shield have a positive and significant effect on the company's capital structure.
The Influence of ZIS Fund Distribution, Sharia Financing, and Social assistance program Program on Poverty Alleviation: The Mediating effect of Islamic Human Development Index Awaliah, Siti Farika Nurul; Badina, Tenny; Pardiansyah, Elif
JURNAL EKONOMI SYARIAH Vol 9, No 1 (2024): Jurnal Ekonomi Syariah
Publisher : Universitas Siliwangi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37058/jes.v9i1.10069

Abstract

Introduction to The Problem: The poverty level in Indonesia will increase at the end of 2022, while the growth in the realization of distribution of ZIS funds, Sharia Financing, Social assistance program Program and I-HDI, represented by IPM, will experience good growth and increase significantly in 2022.Purpose/Objective Study: This research aims to determine (1) the influence of distribution of ZIS funds on poverty, (2) sharia financing on poverty, (3) social assistance program funds on poverty, and (3) Islamic human development index as a mediator between the influence of ZIS, sharia financing, and social assistance program for poverty alleviation.Design/Methodology/Approach:The method used in this research is descriptive quantitative, with a sample of 10 provinces with the largest Muslim population in Indonesia. The data used is secondary data obtained from the official website of the relevant institution. Data were processed using Smart PLS 4.0.9 software and analyzed using the Structural Equation Modeling (SEM) method with the Partial Least Squares (PLS) approach.Findings: The results of this research show that (1) the distribution of ZIS funds has a significant negative effect on poverty, (2) sharia financing has a significant negative effect on poverty, (3) social assistance program has a significant positive effect on poverty, (4) the Islamic human development index is able to mediate the effect of distribution ZIS funds, sharia financing, and social assistance program towards poverty alleviation.Paper Type: Research Article
The Impact of Financing Restructuring Policy on Financial Performance and Islamic MSME Financing during Covid-19: A Study of Indonesian Islamic Commercial Banks Safira , Zahra; Badina, Tenny; Pardiansyah, Elif
Iqtishodia: Jurnal Ekonomi Syariah Vol. 9 No. 2 (2024): September
Publisher : Universitas Al-Qolam Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.35897/iqtishodia.v9i2.1352

Abstract

The purpose of this study was to determine the differences in Return on Assets (ROA), Non-Performing Financing (NPF), Capital Adequacy Ratio (CAR), Financing to Deposit Ratio (FDR), and Operating Expenses to Operating Income (BOPO), as well as Islamic MSME Financing at Islamic commercial banks in Indonesia before and after the implementation of the financing restructuring policy during the Covid-19 period. The research method used to analyze is a comparative method with a quantitative approach calculated using the Paired sample t-test if the data is normally distributed and the Wilcoxon signed rank test if the data is not normally distributed which is carried out using IBM SPSS 25 software. The results showed that there were significant differences in financial performance as seen in the ratios of ROA, NPF, CAR, FDR, and BOPO before and after the implementation of the financing restructuring policy during the Covid-19 period. Meanwhile, Islamic MSME financing has no difference before and after the implementation of the financing restructuring policy during the Covid-19 period. Overall, the restructuring policy has a positive impact on the financial health of Islamic Commercial Banks, while maintaining stable support for Islamic MSME financing in Indonesia.
Pengaruh Sharia Compliance, Struktur Modal, dan Dana Pihak Ketiga terhadap Profitabilitas (Studi Empiris pada Bank Umum Syariah di Indonesia yang Terdaftar di Ojk 2016-2023) Yunita, Wanda; Badina, Tenny; Fatoni, Ahmad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.22972

Abstract

This research aims to look at the variables Islamic Income Ratio, Profit Sharing Ratio, Zakat Performing Ratio, Capital Structure and Third Party Funds in influencing ROA Profitability. The population in this research is Sharia Commercial Bank companies registered with the OJK for the 2016-2023 period. The data used in this research is panel data from 9 selected companies, with a total sample of 72. The sampling technique uses purposive sampling. The analysis technique uses the panel data regression method which is processed using Eviews 12.0. The results of the research specifically show that the Zakat Performing Ratio and Capital Structure have a positive and significant influence on the profitability of Islamic commercial banks. Meanwhile, the Islamic income ratio, profit sharing ratio, voluntary disclosure and third party funds have no effect on the profitability of Islamic commercial banks. The research results simultaneously show that the variables Islamic income ratio, profit sharing ratio, zakat performing ratio, voluntary disclosure, capital structure and third party funds have an influence on the profitability of Islamic commercial banks. Keyword: Capital Structure, Islamic Income Ratio, Profit Sharing Ratio, Profitability, Third Party Funds, Voluntary Disclosure, Zakat Performing Ratio
Analisis Perbandingan Risk dan Return Saham Syariah dengan Saham Konvensional (Studi Empiris pada Jakarta Islamic Index (JII) dan LQ45 Periode 2017-2022) Alfarisi, Muhammad Ayyub; Badina, Tenny; Ainun Najib, Mohamad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 3 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i3.23070

Abstract

This study was prepared to determine the difference in average return and risk of Islamic stocks in the Jakarta Islamic Index (JII) and conventional stocks in LQ45 in the period 2017 to 2022. This study also analyzes the variables of exchange rates, inflation, the fed interest rate, and covid-19 in influencing stock returns on companies in the Jakarta Islamic Index and LQ45. This type of research is descriptive research with a quantitative approach. The research location is the Indonesia Stock Exchange website www.idx.co.id as a secondary data provider in the form of names of issuers included in the JII and LQ45 indices and quarterly stock closing price data for the period 2017 to 2022. The results of descriptive analysis show that the risk of Islamic stocks is higher than conventional stocks (0.1885> 0.1723 or 8.85%> 7.23%). The return rate is higher for Islamic stocks than conventional stocks (0.0196> 0.0018 or 1.96%> 0.18%). Based on the results of different tests using the Independent Sample t-test and Man-Whitney, it was found that there was no significant difference between the Return and Risk of Islamic stocks and conventional stocks. The results of macroeconomic influence research show that the fed interest rate and covid-19 have a positive and significant effect on stock returns. While exchange rates and inflation have a negative effect on stock returns. Keyword: Conventional Shares, Covid-19, Exchange Rate, Inflation, Interest Rates, Return, Risk, Sharia Shares
Pengaruh Literasi Keuangan, Religiusitas, Promosi, dan Persepsi terhadap Minat Menabung di Bank Syariah (Studi pada Mahasiswa Jurusan Ekonomi Syariah di Universitas Kota Serang) Rani Mahira; Tenny Badina; Mohamad Ainun Najib
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24561

Abstract

Abstrak Penelitian ini bertujuan untuk menguji secara empiris pengaruh liteasi keuangan, religiusitas, promosi, dan pesepsi terhadap minat menabung di bank syariah oleh para mahasiwa jurusan Ekonomi Syariah di Kota Serang. Masalah ini ada karena melihat dari persoalan bank syariah yang telah mengalami kenaikan pada total asetnya yang membuktikan bahwa bank syariah sudah memiliki banyak nasabah, namun ini masih tertinggal dengan total aset bank umum konvensional. Pengumpulan data dilakukan dengan menyebar kuesioner kepada populasi penelitian ini yaitu mahasiswa jurusan Ekonomi Syariah di 3 universitas Kota Serang, yaitu Universitas Sultan Ageng Tirtayasa, UIN Sultan Maulana Hasanuddin, dan Universitas Serang Raya. Temuan hasil penelitian menyatakan variable Literasi Keuangan (X1) dan Religiusitas (X2) tidak berpengaruh terhadap minat menabung (Y), sedangkan variable Promosi (X3) dan Persepsi (X4) memiliki pengaruh positif dan signifikan terhadap minat menabung (Y) di Bank Syariah. Hasil pengujian secara simultan menunjukkan bahwa variable Literasi Keuangan (X1), Religiusitas (X2), Promosi (X3), dan Persepsi (X4) berpengaruh positif dan signifikan terhadap Minat Menabung (Y). Kata kunci: Bank Syariah, Literasi keuangan, Religiusitas, Promosi, Persepsi Abstract This research aims to empirically test the influence of financial literacy, religiosity, promotion and perception on interest in saving in Islamic banks by students majoring in Sharia Economics in Serang City. This problem exists because looking at the problem of sharia banks which have experienced an increase in their total assets, which proves that sharia banks already have many customers, but this is still behind the total assets of conventional commercial banks. Data collection was carried out by distributing questionnaires to the research population, namely students majoring in Sharia Economics at 3 universities in Serang City, namely Sultan Ageng Tirtayasa University, UIN Sultan Maulana Hasanuddin, and Serang Raya University. The research findings state that the variables Financial Literacy (X1) and Religiosity (X2) have no effect on interest in saving (Y), while the variables Promotion (X3) and Perception (X4) have a positive and significant influence on interest in saving (Y) in Sharia Banks. Simultaneous test results show that the variables Financial Literacy (X1), Religiosity (X2), Promotion (X3), and Perception (X4) have a positive and significant effect on Interest in Saving (Y). Keywords: Sharia Bank, Financial literacy, Religiosity, Promotion, Perception
ANALISIS FAKTOR YANG MEMPENGARUHI PENGUNGKAPAN SUSTAINABILITY REPORT (Studi Empiris Pada Perusahaan Yang Terdaftar Di Indeks Saham Syariah Indonesia Periode 2018-2022) Priani Putri, Hanifa; Badina, Tenny; Fatoni, Ahmad
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 9 No 5 (2024)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30651/jms.v9i5.24913

Abstract

Abstrak Penelitian ini bertujuan untuk menganalisa variabel Islamic Corporate Governance, Profitabilitas, Leverage, Ukuran Perusahaan, dan Umur Perusahaan dalam mempengaruhi Pengungkapan Sustainability Report. Populasi dalam penelitian ini adalah seluruh perusahaan yang terdaftar di Indeks Saham Syariah Indonesia Periode 2018-2022. Data yang digunakan dalam penelitian ini adalah data panel dari 14 sampel perusahaan yang terpilih, dengan total sampel berjumlah 70. Hasil penelitian menunjukkan bahwa Islamic Corporate Governance dan Umur Perusahaan berpengaruh positif dan signifikan terhadap Pengungkapan Sustainability Report. Sedangkan Profitabilitas, Leverage, dan Ukuran Perusahaan tidak berpengaruh terhadap Pengungkapan Sustainability Report. Kata Kunci: Indeks Saham Syariah Indonesia, Islamic Corporate Social Governance, Leverage¸Profitabilitas, Sustainability Report, Ukuran Perusahaan, Umur Perusahaan ABSTRACT This study aims to analyze the variables of Islamic Corporate Governance, Profitability, Leverage, Company Size, and Company Age in influencing Sustainability Report Disclosure. The population in this study is all companies listed on the Indonesian Sharia Stock Index for the 2018-2022 period. The data used in this study is panel data from 14 selected company samples, with a total sample of 70. The results of the study indicate that Islamic Corporate Governance and Company Age have a positive and significant effect on Sustainability Report Disclosure. While Profitability, Leverage, and Company Size do not affect Sustainability Report Disclosure. Keywords: Indonesian Sharia Stock Index, Islamic Corporate Social Governance, Leverage¸Profitability, Sustainability Report, Company Size, Company Age