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INTELLECTUAL CAPITAL APPROACH FOR A BETTER CORPORATE GOVERNANCE OF SHARIA BANKING Purnomo, Hadi
IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3204

AbstractThe Implementation of corporate governance of sharia banking in Indonesia has not been effective. Sharia banking in Indonesia do not yet have a standard of sharia governance framework as a guideline for the implementation of corporate governance. This study was conducted to analyze the implementation of corporate governance and intellectual capital condition of sharia banks, and to develop a more effective model of corporate governance by using the approach of intellectual capital. The data came from the annual financial statements of 12 Sharia Commercial Banks (BUS), and information based on answers to questionnaires by sharia banking practitioners. The results of this study indicate that the condition of intellectual capital contributes to the performance of BUS, while the implementation of corporate governance does not contribute significantly. However, corporate governance and intellectual capital contribute simultaneously to the performance of BUS. The implication based on finding indicated that intellectual capital can be developed as a basic for implementation of corporate governance in sharia banking. This is a new approach because the concept of corporate governance is generally more focused on rules and policies, it is rare to consider a holistic approach and align with the conditions of the company's intellectual capital.Keywords: corporate governance; intellectual capital; sharia commercial bank (BUS); sharia governance framework

INTELLECTUAL CAPITAL APPROACH FOR A BETTER CORPORATE GOVERNANCE OF SHARIA BANKING Hadi Purnomo
IQTISHADIA Vol 11, No 1 (2018): IQTISHADIA
Publisher : Ekonomi Syariah IAIN Kudus

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21043/iqtishadia.v11i1.3204

AbstractThe Implementation of corporate governance of sharia banking in Indonesia has not been effective. Sharia banking in Indonesia do not yet have a standard of sharia governance framework as a guideline for the implementation of corporate governance. This study was conducted to analyze the implementation of corporate governance and intellectual capital condition of sharia banks, and to develop a more effective model of corporate governance by using the approach of intellectual capital. The data came from the annual financial statements of 12 Sharia Commercial Banks (BUS), and information based on answers to questionnaires by sharia banking practitioners. The results of this study indicate that the condition of intellectual capital contributes to the performance of BUS, while the implementation of corporate governance does not contribute significantly. However, corporate governance and intellectual capital contribute simultaneously to the performance of BUS. The implication based on finding indicated that intellectual capital can be developed as a basic for implementation of corporate governance in sharia banking. This is a new approach because the concept of corporate governance is generally more focused on rules and policies, it is rare to consider a holistic approach and align with the conditions of the company's intellectual capital.Keywords: corporate governance; intellectual capital; sharia commercial bank (BUS); sharia governance framework

SUSTAINABLE MORTGAGE FINANCING MODEL FOR INFORMAL WORKERS USING A DIGITAL ECOSYSTEM AND COMMUNITY-BASED APPROACH Hadi Purnomo
Jurnal Ekonomi Vol. 11 No. 03 (2022): Jurnal Ekonomi, 2022 Periode Desember
Publisher : SEAN Institute

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

The fulfillment of decent and cheap housing for the community is in line with the Sustainable Development Goals (SDGs). The Indonesian government has committed to achieved the SDGs target through the provision of subsidized housing loans. The purpose of this research is to analyze the problematic situation and formulate a plan to improve the housing loans model for the poor and informal workers. The model was built using the Soft System Methodology (SSM) approach. This study shows that the hybrid housing loans model and the hybrid housing loans community-based model can be developed into a solution to the problem. These schemes have resulted in a synergy between PT Sarana Multigriya Finansial (SMF) as secondary mortgage company that collaborates with companies in digital ecosystem and community-based company. The implications based on the findings of this study indicate that both new housing loans scheme can reduce the risk of housing loans as well as accelerate the approval process

The Influence of Competence, Compensation, Organizational Commitment, Training and Working Experience On Employee Performance Hadi Purnomo; Tri Melda Mei Liana; Sunday Ade Sitorus; Lasma Lenida Rosinta Sianipar; Ronny Allan Nababan; Mazzlida Mat Deli
International Journal of Economics Development Research (IJEDR) Vol. 4 No. 1 (2023): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v4i2.2949

Research on analyzing the influence of competence, compensation, organizational commitment, training, and work experience is used as a test of employee performance. The population in this research process is all employees of PT XYZ. In this clai research, data sampling techniques will be used with a combined method of area sampling techniques and also simple random sampling with a population of employees from PT XYZ. Analysis of this data itself shows several factors such as compensation, competence and also organizational commitment that have a simultaneous and significant influence on the performance of employees of PT XYZ. Then the role of competencies that have a very significant role on the performance and satisfaction of employees who work at PT XYZ. This research was conducted to analyze various factors that have an influence on the motivation of employees and also the performance of employees at PT XYZ. The data analyzed is data related to compensation and competencies that can have an influence on employees in terms of compensation, competence and motivation. From the data obtained, PT XYZ must provide compensation, competence to employees in order to improve their performance.

The Effect of Profit Distribution Management on Islamic Commercial Banks' Performance with Return on Assets as a Moderating Variable Hadi Purnomo
International Journal of Economics Development Research (IJEDR) Vol. 5 No. 3 (2024): International Journal of Economics Development Research (IJEDR)
Publisher : Yayasan Riset dan Pengembangan Intelektual

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37385/ijedr.v5i3.5932

The purpose of the study is to examine the impact of ROA as a moderator on earnings management, CAR, NPF, TPF. Data from financial reports, obtained through the official website of the Indonesia Stock Exchange (IDX). Sharia Commercial Banks on the IDX in 2017 - 2022 are the research population. The sample size with a purposive sampling technique. Nine BUS with 54 samples. The data analysis technique uses EViews 10, while the research model uses a random effect model. The results of the study are that DPK, CAR, and ROA have a major influence on earnings management. However, NPF has no effect on earnings management. ROA can reduce the impact of DPK and CAR on earnings management. ROA does not moderate the relationship between NPF and earnings management.

The Influence of Asset Structure and Capital Structure on Return on Assets Nicko Albart; Hadi Purnomo
Kontigensi : Jurnal Ilmiah Manajemen Vol 12 No 1 (2024): Kontigensi: Jurnal Ilmiah Manajemen
Publisher : Program Doktor Ilmu Manajemen, Universitas Pasundan, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56457/jimk.v12i1.536

In a competitive business environment, PT. AirAsia Indonesia Tbk. faces challenges in enhancing financial performance through efficient asset structure management and capital structure. This study examines the impact of asset structure and capital structure on operational efficiency and profit performance of PT. AirAsia Indonesia Tbk. within a highly competitive business setting. The primary objective of this study is to understand the dynamics between financial structure, debt management, and operational efficiency in relation to the company's financial performance. Utilizing financial data from the years 2015 to 2023, this research applies path analysis to evaluate the influence of asset structure and capital structure on efficiency ratios and their subsequent impact on the company's profit performance. This study concludes that although there is a significant relationship between asset structure and capital structure with operational efficiency ratios, this relationship does not significantly affect the company's profit performance. These findings provide important insights for the management of PT. AirAsia Indonesia Tbk. in optimizing asset structure and capital structure to improve operational efficiency without a significant impact on enhancing profit performance.

Does Car Influence RoA? Evidence from State-Owned Banks Purnomo*, Hadi; Nurcahyani, Indah Sri; Maryati, Mari
Jurnal Ilmu Keuangan dan Perbankan (JIKA) Vol. 12 No. 1: Desember 2022
Publisher : Program Studi Keuangan & Perbankan, Fakultas Ekonomi dan Bisnis, Universitas Komputer Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34010/jika.v12i1.8232

This research aims to determine the effect of the Capital Adequacy Ratio (CAR) against Return on Asset (RoA) in State-Owned Banks listed on the Indonesian Stock Exchange for the 2014-2021 period. The sample of this research is determined by saturation sampling method, so the obtained sample of 4 banks, there are PT Bank Negara Indonesia Tbk, PT Bank Rakyat Indonesia Tbk, PT Bank Tabungan Negara Tbk, and PT Bank Mandiri Tbk. The research method is used the causal associative with a quantitative approach. The analysis techniques used in this research are classical assumption test (normality test, heteroscedasticity test, and autocorrelation test) simple linear regression analysis, and hypothesis test using the software SPSS 22. The result of the research using the t-test showed that Capital Adequacy Ratio has a significant effect on Return on Asset. So, the bank's chances of making a profit will be higher if the capital is managed properly. Keywords: Capital Adequacy Ratio; Return on Asset; SOE Banks; Finance; Management Tujuan dari penelitian ini adalah untuk mengetahui pengaruh Capital Adequacy Ratio (CAR) terhadap Return On Asset (ROA) pada bank BUMN yang terdaftar di Bursa Efek Indonesia periode tahun 2014-2021. Sampel yang digunakan dalam penelitian ini adalah bank BUMN, yaitu PT Bank Negara Indonesia Tbk, PT Bank Rakyat Indonesia Tbk, PT Bank Tabungan Negara Tbk, and PT Bank Mandiri Tbk. Metode yang digunakan pada penelitian ini yaitu menggunakan metode asosiatif kausal dengan pendekatan kuantitatif. Teknik analisis data yang digunakan dalam penelitian ini adalah uji asumsi klasik (uji normalitas, uji heterokedastisitas, dan uji autokorelasi), analisis regresi linear sederhana, dan pengujian hipotesis menggunakan software SPSS 22. Hasil penelitian dengan pengujian uji t menunjukkan bahwa secara parsial Capital Adequacy Ratio berpengaruh terhadap Return On Asset. Jadi, kemampuan bank untuk menghasilkan keuntungan akan lebih tinggi jika modal yang dimiliki dikelola dengan baik. Kata Kunci: Capital Adequacy Ratio; Return on Asset; Bank BUMN; Keuangan; Manajemen

SOSIALISASI PENINGKATAN KOMPETENSI DAN KETENTUAN MANAJEMEN RISIKO BAGI PENGAWAS DAN AUDITOR INTERNAL KEMENTERIAN KOPERASI DAN UKM Purnomo, Hadi; Albart, Nicko; Listiorini, Dewi
Jurnal Pengabdian Teratai Vol 4 No 2 (2023): Jurnal Pengabdian Teratai
Publisher : Lembaga Penelitian Dan Pengabdian Pada Masyarakat (LPPM) Institut Bisnis dan Informatika (IBI) Kosgoro 1957

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55122/teratai.v4i2.1061

The implementation of training and socialization on risk management, as per Minister of Cooperatives and Small and Medium Enterprises Regulation No. 09 of 2020, aims to enhance the competence of Senior Supervisors and Internal Auditors in relation to their core duties and functions in cooperative supervision. It also aims to familiarize officials responsible for cooperative development and functional supervisors with guidelines for conducting cooperative supervision and inspections within the Ministry of Cooperatives and Small and Medium Enterprises (Kemenkop UKM). This initiative was conducted by the Community Service Team of STIMA IMMI Jakarta and Paramadina University Jakarta in collaboration with the Internal Supervisory and Auditor Unit of the Ministry of Cooperatives and SMEs. The purpose of the training and socialization program is to elevate competence, skills, knowledge, and attitudes to anticipate the increasing incidence of fraud cases in cooperatives due to the weak implementation of supervision and audits by the Ministry of Cooperatives and SMEs. The issue of fraud in cooperatives throughout Indonesia has reached hundreds of trillions of rupiah. Training and socialization, conducted using the active learning method, have had a positive impact on participants, as evidenced by the enthusiasm of participants in engaging in discussions and group activities, as well as the smooth execution of the program and its alignment with the participants' needs. Quantitatively, the PKM program has successfully improved the participants' abilities, as demonstrated by the increase in the average pre-test score from 67.4 to 75.8 during the post-test.

How Different is The Financial Performance of Sharia-Based Banks? Listiana Sri Mulatsih; Mahelan Prabantarikso; Hadi Purnomo; Loso Judijanto; Alfiana
IQTISHODUNA: Jurnal Ekonomi Islam Vol. 13 No. 1 (2024): April
Publisher : LPPM, Universitas Islam Syarifuddin Lumajang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54471/iqtishoduna.v13i1.2622

Covernance, Earnings and Capital. Based on the research results, it shows that there is a significant difference between Bank Muamalat Indonesia and Bank Mega Syariah in 2018-2021 in the Risk Profile factor based on the NPF ratio and there is no significant difference based on the FDR ratio. There is a significant difference between the average BMI and BMS in the Earnings factor based on the ROA ratio. A gap was found between the average values obtained by BMI and BMS regarding the capital factor based on the CAR ratio and there was no significant difference between the financial performance of Bank Muamalat Indonesia and Bank Mega Syariah using the RGEC method. The policy implication of these findings is the importance of viewing a bank's financial performance holistically, not just focusing on one factor such as capitalIn making policy decisions, regulators and bank management must consider these aspects comprehensively to enhance the overall health and performance of the bank.

Analysis of The Influence of Digital Banking, Bopo and NPF on Profitability Levels of Sharia Commercial Bank Mulatsih, Listiana Sri; Purnomo, Hadi; Prabantarikso, Mahelan; Dhamayanti, Sylvia Kartika; Sunarmi, Sunarmi
SENTRALISASI Vol. 13 No. 1 (2024): Sentralisasi
Publisher : Universitas Muhammadiyah Sorong

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33506/sl.v13i1.3101

This study aims to analyze and examine the factors influencing of digital banking, operating costs to operating income (BOPO) and Non Performance Financing (NPF) on Return on Asset (ROA) in the Islamic Commercial Banks in period 2018-2022. The method of research is using the quantitative and regression analysis. The sample is Islamic Commercial Banks are consistenly publish financial report period 2018-2022 listed on the Indonesia Stock Exchange with a total sample of 3 companies. The sampling technique used a purposive sampling. The data analysed with IBM SPSS version 22 and was carried out by several tests such as validity test, realibility test, classic assumption test, linear regression analysis and coefficient of determination test. The results of this study indicate that the digital banking, BOPO and NPF simultaneously and significantly influence on ROA. The results of the partial test demonstrates that the digital banking and NPF has significant effect on ROA. While BOPO has a negative effect on ROA in the Islamic Commercial Banks in period 2018-2022. This research contributes to Islamic banking in order to make effective financing with results sharing and operational cost efficiency in operating income so that performance can be improve financial performance.

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