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All Journal ETIKONOMI Paradigma : Journal of Science, Religion and Culture Studies Al-'Adalah Sriwijaya Law Review Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Syi'ar Iqtishadi Indonesian Journal of Economics, Social, and Humanities AMALIAH: JURNAL PENGABDIAN KEPADA MASYARAKAT al-Aulad: Journal of Islamic Primary Education International Journal of Economics Development Research (IJEDR) DEVOSI Jurnal Ilmu Manajemen & Ekonomika JEBI (Jurnal Ekonomi dan Bisnis Islam) Maqdis: Jurnal Kajian Ekonomi Islam Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Jurnal Keuangan dan Perbankan Optimal: Jurnal Ekonomi dan Manajemen At-Tamwil: Journal of Islamic Economics and Finance Tabsyir: Jurnal Dakwah Dan Sosial Humaniora Siber International Journal of Digital Business Journal of Accounting, Management and Islamic Economics Jurnal Inovasi Dan Pengabdian Kaa Mieera
Anna Sardiana, Anna
Indonesia Banking School
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Law, Crime, Criminology & Criminal Justice Social Sciences Other

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Journal : Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan

 1 
THE IMPLEMENTATION OF POJK 45/2015 ON THE BANKING FINANCIAL PERFORMANCE IN INDONESIA : AN ANALYSIS ANNA SARDIANA; ALVIEN NUR AMALIA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 3, No 1 (2018): Januari - Juni 2018
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v3i1.162

Abstract

Otoritas Jasa Keuangan (OJK) as Financial Services Authority (FSA) in 2015, issued new regulations regarding the administration of the Remuneration Governance for Banks. With this rule, the remuneration policy applied by the Bank to Employees, Directors and Commissioners should be adjusted to follow the rules and principles set out in POJK No.45 /POJK.03/2015. Issuance of this Regulation as part of the implementation of Basel II, particularly Pillar 3 (Market Discipline), which the Bank is required to disclose information that is more transparent to the public and market participants, particularly related to remuneration to encourage discipline and allow the stakeholders to give a fair assessment. Failure to follow these rules can result in a downgrade of the factors of good corporate governance of the Bank concerned. Implementation of POJK 45 starts per 1 January 2016 for Commercial Bank Operations Group (BUKU) 3 and 4 as well as foreign banks. This study aimed to analyze the implementation of POJK 45/2015 on the financial performance of banking in Indonesia. The data which are used in this study were obtained from the Indonesian Banking Directory quarterly and look at the first kuartal of 2016 only. Samples were selected by purposive sampling method and finally obtained 27 banking companies that fulfill the criteria. Data were analyzed using financial ratios that LDR, ROA and CAR then described using qualitative description method. The results showed that the implementation of POJK 45 gives the significant positive effects on the bank performance in Indonesia.
ANALISIS PENGETAHUAN DAN KRITERIA PEMILIHAN BANK SYARIAH ANNA SARDIANA
Al-Masraf: Jurnal Lembaga Keuangan dan Perbankan Vol 4, No 2 (2019): Juli - Desember 2019
Publisher : Prodi Manaj. Perbankan Syariah Fakultas Ekonomi dan Bisnis Islam – UIN Imam Bonjol Padang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15548/al-masraf.v4i2.218

Abstract

This study aims to analyze the selection criteria considered by students in choosing a Sharia bank; know the level of student knowledge of Islamic banking products; and analyzing consumer attitudes towards Islamic banks. The research subjects were students who used the services of Islamic banks or those who did not use Islamic banks in Jakarta. Data analysis methods are statistical descriptive and factor analysis. The analysis concluded that there were six factors that were considered by students in choosing a Sharia bank, including: perception and process, physical condition, price, human resources, relationships and location factors. Consumer perception is the most influential factor on consumer decisions in choosing a Sharia bank. In general, the majority of respondents have limited knowledge about Islamic banking. Religion is not the main reason for students to choose a Sharia bank. Students consider Sharia bank service friendliness more than other factors.
Co-Authors -, Puspita -, Zulfison Abdul Majid, Rayhan Aditama Setyo Moekti AMALIA, ALVIEN NUR Diva Resma Ningtyas Endeh Suhartini Gemala Dewi Hafizhan, Hilman Hasan Basri Hussein, Rifki Jaih Mubarok M. Harun Alrasyid Nauvalsev Abdul Purba Nurul Huda Pratama, Rakha PRILIADHITA AYU PERMATA SARI Purnama Putra, Purnama Puspita Puspita Puspita Puspita Puspita Puspita Qurnain, Dewi Savitri Renny Harianti Rizqi Maulida Amalia Sabila, Salma SARI, PRILIADHITA AYU PERMATA Septiani Juniarti, Septiani Shinta Rahmani Syahbudin, Muhammad Daffa Vahrul Rozie Will Andilla Darniaty Wirdyaningsih Wirdyaningsih Yumarni, Ani ZULFISON ZULFISON ZULFISON, ZULFISON