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PENGARUH PEMBIAYAAN MURABAHAH, MUSYARAKAH, DAN QARDH TERHADAP PROFITABILITAS BANK SYARIAH DI INDONESIA Zelfia Khairani; Hesi Eka Puteri
Jurnal Ekonomi dan Bisnis Vol. 2 No. 1 (2024): Januari
Publisher : ADISAM PUBLISHER

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Abstract

The development of world sharia banking is growing and developing rapidly, including Indonesia. The growth of sharia banking in Indonesia can be seen from the success of banks as intermediary institutions that carry out activities to collect funds from parties (surpus unit) to parties who need funds (deficit unit). Channeling these funds is called financing. The focus of this research is to look at the distribution of financing to Sharia Banks. The aim of this research is to see the impact of BTPN Syariah Bank financing distribution on the profitability (ROA) of sharia banks. The financing carried out by BTPN Syariah is Murabaha financing, Musyarakah financing and Qard financing. This research uses secondary data, namely the published reports of Bank BTPN Syariah for the 2019-2022 period. The analytical tool used in this research is SPSS 25 with multiple linear regression analysis. The results of this research show that Murabahah financing has an impact on the profitability of Islamic banks. Meanwhile, Muayarakah and Qard financing have no effect on the profitability of Islamic banks.
STRATEGI PENGEMBANGAN FINTECH PADA PRODUK DAN LAYANAN di BANK SYARIAH Yulisa Khairani; Hesi Eka Puteri
Jurnal Ekonomi dan Bisnis Vol. 2 No. 5 (2024): Mei
Publisher : ADISAM PUBLISHER

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Abstract

Financial technology is an innovation in the field of financial services that performs financial transactions with the Internet system. Fintech encourages the banking sector to adapt and adapt in an increasingly advanced and evolving technological age. This study aims to analyze fintech applications in sharia banking and design appropriate development strategies regarding fintech at Bank BSI KC Bukittinggi. This type of research is research with descriptive qualitative approach in which data analysis uses SWOT matrix to determine opportunities and challenges Data collection was carried out by interview and documentation method with Branch Office Service Manager and Costumer Service Bank BSI KC Bukittinggi. The results of this study are that there are many advantages obtained by using fintech and a suitable fintech development strategy, namely the SO (Stregth - Opportunities) strategy. The strategy of harnessing power to gain opportunities is: 1. Creating and facilitating business operators (MSMEs), students and the general public with the choice of technology access to products and services, 2. Always pay attention to the market share and innovate on the existing financial technology of the Bank, 3. Improving and guaranteeing the quality of service for customers, 4. Expanding the network of Fintech services so that it is expected that Bukittinggi city will have even access to financial technology.
PENGARUH EKSPOR DAN PENANAMAN MODAL ASING TERHADAP PERTUMBUHAN EKONOMI DI INDONESIA PERIODE 1993-2022 Dhea Syahrilla Nur Hirma; Hesi Eka Puteri
Jurnal Ekonomi dan Bisnis Vol. 2 No. 6 (2024): Juni
Publisher : ADISAM PUBLISHER

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Abstract

The background to this research is that theoretically, when the value of exports increases, economic growth also increases; However, in the last 30 years, the opposite has happened. That shouldn't be the case. By using information on economic development, export value and foreign investment value in Indonesia over the last 30 years, researchers want to validate this idea. In this quantitative research, verification tests and reliability tests are used—classical assumption tests which include, for example, normality tests, multicollinearity tests, heteroscedasticity tests, autocorrelation tests—as well as hypothesis tests which include F tests, t tests, and Rim Square. Exercise Tested using the t test, the research findings show that the export variable (X1) has a marginally significant influence on Indonesia's economic development, with a significance value of 0.00 compared to. The decision standard where the sig value <0.05 simultaneously influences two variables, namely exports and foreign investment (PMA), this is shown from the results of the F test giving a Sig value of 0.00, tested using the t test where the variable (X2) is significant or foreign investment of 0.00. The R-square test shows the influence of these two factors is 76.2%.
Influence of Opportunities and Challenges on the Success of Young Entrepreneurs with Social Media Marketing Moderation Variables Illahi. S, Wahyu Nusantara; Puteri, Hesi Eka
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.207-218

Abstract

Purpose: This study aims to analyze the influence of Opportunities and Challenges on the Success of Young Entrepreneurs and examine the moderating role of Social Media Marketing in this relationship, focusing on café and restaurant businesses in Limapuluh Kota Regency and Payakumbuh City. Methodology: The research employs SEM PLS analysis using the SmartPLS 3.0 tool. Primary data were collected from 61 millennial café and restaurant business owners via a Likert scale-based questionnaire distributed through Google Forms. Results: Opportunities (X1) and Challenges (X2) have a positive and significant effect on the Success of Young Entrepreneurs (Y). Social Media Marketing (Z) positively and significantly moderates the relationship between Opportunities (X1), Challenges (X2), and Young Entrepreneur Success (Y). Findings: Effective Social Media Marketing amplifies the impact of Opportunities and Challenges on the success of young entrepreneurs in the café and restaurant sector. Originality: This study provides fresh insights into the role of digital marketing strategies in enhancing entrepreneurial success in a competitive business environment. Novelty: It integrates Social Media Marketing as a key moderating factor in the entrepreneurial framework of young business owners. Conclusions: Utilizing social media marketing is crucial for young entrepreneurs to achieve sustainable growth and competitiveness. Type of Paper: Empirical research paper.
Effect Social Piety affect the Relationship between Public Service Quality and Community Satisfaction Andespa, Wira; Puteri, Hesi Eka
BIMA Journal (Business, Management, & Accounting Journal) Vol. 5 No. 2 (2024)
Publisher : Perkumpulan Dosen Muda (PDM) Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37638/bima.5.2.245-252

Abstract

The standard of an institution's public services has a big impact on its policy and direction in providing services. This study aims to compute the moderating impact utilizing social piety factors, that is, interaction patterns that elucidate the relationship between public service quality and public contentment. In this study, SEM PLS analysis was performed using the Warppls 8.0 analytical tool. A total of 161 respondents who were employed by the Bukittinggi City Dukcapil Service were selected via an incidental sampling technique. Research results show that knowledge management (KM) is positively impacted by public service quality, with a β value of 0.79 and a R^2 value of 0.62, both less than 0.05. This demonstrates that 62% of the influence of public services on community happiness may be attributed to this. The association between public enjoyment and the caliber of public services is somewhat mediated by the social piety variable. With a moderating contribution of KS to the influence of KPS on KS, the moderation effect coefficient value of 0.49 and the P-value of 0.01 are both less than 0.5. The R^2 value of 0.68 indicates an influence.
Efek profitabilitas Terhadap Nilai Perusahaan dengan Struktur Permodalan Sebagai Variabel Mediasi (Studi Empiris: Bank Umum Syariah Indonesia) Rawati, Mesis; Puteri, Hesi Eka
Jurnal Ilmiah Global Education Vol. 5 No. 4 (2024): JURNAL ILMIAH GLOBAL EDUCATION, Volume 5 Nomor 4, Desember 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v5i4.3352

Abstract

Profitability is one of the factors influencing a company's value, and higher profitability accelerates the growth rate of assets in Sharia Commercial Banks in Indonesia. The objective of this study is to estimate the mediating effect through the Capital Adequacy Ratio variable, which represents the interaction pattern in explaining how Return on Assets (ROA) and Return on Equity (ROE) affect Price Book Value (PBV). This research utilizes Structural Equation Modeling (SEM) with Partial Least Squares (PLS) analysis using WarpPLS 8.0. The study involved 12 respondents from Sharia Commercial Banks listed on the Indonesia Stock Exchange, selected through purposive sampling. The findings indicate a partial mediating effect of Capital Adequacy Ratio (CAR) in the relationship between ROA, ROE, and PBV. Based on the testing and discussion of the findings regarding the mediating effect of CAR in the relationship between ROA, ROE, and PBV in Sharia Commercial Banks in Indonesia, CAR partially mediates the relationship between ROA, ROE, and PBV as indicated by the Variance Accounted For (VAF). This relationship enriches the understanding that the positive effect of profitability on company value is mediated by the CAR process. The company's value is viewed through its ability to maintain CAR. Scientifically, this research contributes to the understanding of capital structure in business or banking, serving as a reference for companies and banks to enhance corporate value and profitability year after year by maintaining an optimal capital structure that avoids bankruptcy and strengthens capitalization.
Pengaruh Maqashid Syariah Index Terhadap Nilai Perusahaan Dengan Ukuran Perusahaan Sebagai Variabel Moderasi Hawari, Rayzul; Puteri, Hesi Eka
Jurnal Ilmiah Global Education Vol. 5 No. 4 (2024): JURNAL ILMIAH GLOBAL EDUCATION, Volume 5 Nomor 4, Desember 2024
Publisher : LPPM Institut Pendidikan Nusantara Global

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55681/jige.v5i4.3354

Abstract

The purpose of this study is to analyze the influence of the maqashid sharia index on the value of companies with company size as a moderation variable in the Jakarta Islamic index (JII). This research is classified as quantitative research, the research data collected is secondary data sourced from each annual report/company financial report with a ratio scale. The population in this study is companies that are consistently included in the Jakarta Islamic Index (JII) stock exchange during the 2019-2023 period, while the data analysis technique carried out is differential analysis consisting of pre-research tests, MRA results and hypothesis tests. The data analysis in this study used SPSS software version 29.0.2.0. The results of this study show the influence of . The maqashid sharia index has a positive and significant effect on the value of the company with a significance value of 0.000 < 0.05.The size of the company has a positive effect but is not able to moderate the relationship of the maqashid sharia index to the value of the company with a significance value of 0.180 > 0.05.
MODEL INTEGRASI ENVIRONMENTAL, SOCIAL AND GOVERNANCE DAN MAQASHID SYARI'AH DALAM KEBERLANJUTAN BANK SYARI'AH INDONESIA TAHUN 2020-2023 Nurafni Sofya; Puteri, Hesi Eka
Krigan: Journal of Management and Sharia Business Vol. 2 No. 2 (2024): Desember 2024
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v2i2.9094

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh variabel Environmental (E), Social (S), Governance (G), dan Maqasid Syari'ah terhadap keberlanjutan Bank Syariah Indonesia (BSI) pada periode 2020-2023. Menggunakan metode regresi linear berganda, penelitian ini menguji seberapa besar kontribusi masing-masing variabel dalam menjelaskan variabilitas keberlanjutan BSI, yang mencakup aspek lingkungan, sosial, tata kelola, dan prinsip-prinsip syariah. Hasil penelitian menunjukkan bahwa semua variabel independen memiliki pengaruh yang signifikan terhadap keberlanjutan BSI. Secara khusus, variabel Environmental (E) dan Governance (G) memiliki pengaruh yang paling besar dengan koefisien Beta masing-masing sebesar 0.45 dan 0.40, diikuti oleh Social (S) dengan koefisien Beta 0.35 dan Maqasid Syari'ah (moderasi) dengan koefisien Beta 0.30. Nilai p-value yang sangat signifikan (p-value < 0.05) menunjukkan bahwa pengaruh masing-masing variabel tidak hanya relevan, tetapi juga kuat dan dapat diandalkan. Temuan ini menyoroti pentingnya integrasi aspek keberlanjutan, tanggung jawab sosial, tata kelola yang baik, dan penerapan prinsip syariah dalam strategi pengelolaan bank syariah. Oleh karena itu, rekomendasi kebijakan bagi BSI mencakup penguatan inisiatif lingkungan, peningkatan program sosial yang inklusif, serta pemeliharaan tata kelola yang transparan dan akuntabel. Penelitian ini diharapkan dapat memberikan kontribusi pada literatur akademik dan praktik perbankan syariah dalam mengembangkan model keberlanjutan yang sejalan dengan prinsip syariah dan kebutuhan sosial-ekonomi.
PENGARUH PDRP PERKAPITA TERHADAP DISPARITAS PENDAPATAN PROVINSI DI INDONESIA TAHUN 2017-2021 DALAM PERSPEKTIF EKONOMI ISLAM Wiza, Yerna; Puteri, Hesi Eka
Krigan: Journal of Management and Sharia Business Vol. 1 No. 2 (2023): Desember 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/krigan.v1i2.7756

Abstract

Penelitian ini bertujuan untuk mengukur pengaruh PDRB Perkapita terhadap disparitas pendapatan provinsi di Indonesia tahun 207-2021 dan untuk menganalisis bagaimana pandangan ekonomi Islam tentang disparitas dan faktor-faktor yang mempengaruhinya. Penelitian ini dilakukan dengan pendekatan kuantitatif menggunakan data sekunder yang diperoleh dari Badan Pusat Statistik Nasional tahun 2017 sampai dengan 2021 menggunakan teknik pengambilan data dokumentasi. Metode analisis data yang digunakan adalah dengan analisis regresi data panel, uji asumsi klasik data panel dan uji kelayakan model regresi dengan bantuan Eviews 12 SV. Pada penelitian ini didapatkan bahwa tingkat PDRB Perkapita (X) berpengaruh negatif terhadap tingkat disparitas pendapatan provinsi di Indonesia (Y). Hal ini dapat dilihat pada hasil uji t yang dilakukan dimana pada kolom uji t didapatkan nilai -3,74146 dan t tabel sebesar -1,97427 yang artinya t hitung lebih kecil daripada t tabel sehingga berdasarkan kriteria pengambilan keputusan maka Ho ditolak. Besarnya pengaruh ini dapat dilihat pada analisis koefisien determinasi (R Squared) yang didapatkan hasil pengaruh tingkat PDRB perkapita terhadap disparitas pendapatan adalah 94,42% yang artinya tingkat PDRB perkapita berpengaruh signifikan terhadap disparitas pendapatan dan sisanya dipengaruhi oleh variabel lain yang tidak diteliti.Penelitian ini bertujuan untuk mengukur pengaruh PDRB Perkapita terhadap disparitas pendapatan provinsi di Indonesia tahun 207-2021 dan untuk menganalisis bagaimana pandangan ekonomi Islam tentang disparitas dan faktor-faktor yang mempengaruhinya. Penelitian ini dilakukan dengan pendekatan kuantitatif menggunakan data sekunder yang diperoleh dari Badan Pusat Statistik Nasional tahun 2017 sampai dengan 2021 menggunakan teknik pengambilan data dokumentasi. Metode analisis data yang digunakan adalah dengan analisis regresi data panel, uji asumsi klasik data panel dan uji kelayakan model regresi dengan bantuan Eviews 12 SV. Pada penelitian ini didapatkan bahwa tingkat PDRB Perkapita (X) berpengaruh negatif terhadap tingkat disparitas pendapatan provinsi di Indonesia (Y). Hal ini dapat dilihat pada hasil uji t yang dilakukan dimana pada kolom uji t didapatkan nilai -3,74146 dan t tabel sebesar -1,97427 yang artinya t hitung lebih kecil daripada t tabel sehingga berdasarkan kriteria pengambilan keputusan maka Ho ditolak. Besarnya pengaruh ini dapat dilihat pada analisis koefisien determinasi (R Squared) yang didapatkan hasil pengaruh tingkat PDRB perkapita terhadap disparitas pendapatan adalah 94,42% yang artinya tingkat PDRB perkapita berpengaruh signifikan terhadap disparitas pendapatan dan sisanya dipengaruhi oleh variabel lain yang tidak diteliti.Kata Kunci: PDRB Perkapita; Disparitas; Kesejahteraan
Penguatan Audit Kinerja Pemerintahan bagi Auditor Di Inspektorat Kota Bukittinggi Sari, Oktri Lola; Putri, Hesi Eka
Jurnal Dedikasia : Jurnal Pengabdian Masyarakat Vol. 3 No. 1 (2023): Juni 2023
Publisher : Universitas Islam Negeri Sjech M. Djamil Djambek Bukittinggi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30983/dedikasia.v3i1.6130

Abstract

Kinerja dilakukan untuk menentukan bagaimana suatu entitas unit kerja mengelola pengunaan sumber daya secara ekonomis, efektitif, dan efesien dalam memenuhi misi dan tujuan entitas khususnya di inspektorat kota Bukittinggi .Penelitian ini bersifat deskriptif kualitatif. Sasaran wawancaranya adalah pegawai Inspektorat kota Bukittinggi, seperti kasubag perencanaan dan pelaporan ataupun pegawai yang berwenang. Pengumpulan data mengunakan metode observasi, wawancara, dan dokumentasi, sedangkan analisisnya mengunakan analisa kualitatif (non statistik) yang bersifat deskriptif kualitatif , dengan mengunakan cara berpikir induktif. Dari hasil penelitian dapat disimpulkan Inspektorat kota Bukittinggi telah menjalankan audit kinerja sesaui dengan aturan yang diterapkan dan undang-undang yang diberlakukan oleh Walikota Bukittinggi. Berdasarkan hasil penelitian bahwa audit Inspektorat kota Bukittinggi ketika melakukan audit kinerja terhadapat SKPD sudah efektif dengan aturan yang ada, dimana Inspektorat kota Bukittinggi ketika melakukan audit dan mendapatkan temuan-temuan terhadap yang di audit Inspektorat kota Bukittinggi memberikan Rekomendasi perbaikan kinerja terhadap yang di audit. Berdasarkan hasil penelitian menunjukkan bahwa inspektorat kota Bukittinggi dapat diketahui dan dianalisis bahwa efektifitas audit kinerja inspektorat kota Bukittinggi telah menerapkan aturan piagam audit intern yang disahkan oleh Walikota Bukittinggi. Penelitian ini berkontribusi dalam membantu mencapai keefektifitasan audit kinerja di pemerintahan Inspektorat kota Bukittinggi.