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Good Corporate Governance, Leverage and Corporate Financial Performance in the Jakarta Islamic Index Puteri, Hesi Eka
International Journal of Indonesian Business Review Vol. 2 No. 2 (2023)
Publisher : Asosiasi Dosen Peneliti Ilmu Ekonomi dan Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54099/ijibr.v2i2.685

Abstract

Purpose – This study aims to estimate the effect of Good Corporate Governance and Leverage on the Financial Performance of companies listed on the Jakarta Islamic Index in 2016 to 2020. Methodology/approach – This study is a confirmatory research with a quantitative approach. The secondary data in this study obtained from the Jakarta Islamic Index (JII), with a total sample of 14 companies registered in the analysis period and have complete data related to the variables studied. Panel data regression analysis was used in this study by selecting the Random Effect Model as the estimation method. Findings – It was found that institutional ownership, which is one of the measurement proxies for Good Corporate Governance, has a positive effect on variations in the company's financial performance achievements. This study has proven that institutional ownership has an important role in minimizing agency conflicts that occur between managers and shareholders. If institutional ownership is implemented properly and in line with the company's vision, the financial performance will be excellent and in the long-term financial sustainability will be created. Novelty/value – This study proves that institutional ownership is a driving factor in increasing corporate financial performance proxied by Return on Equity (ROE).
FAKTOR-FAKTOR PENENTU PENGGUNAAN BSI MOBILE MENGGUNAKAN MODEL UNIFIED THEORY OF ACCEPTANCE AND USE TECHNOLOGY 2 (UTAUT2) Della Suhanda Putri; Hesi Eka Puteri
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 03 (2025): Volume 11 No. 03 September 2025 In Order
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i03.8405

Abstract

The rapid development of information technology drives digital transformation in various sectors, including banking. Bank Syariah Indonesia (BSI) responded to this trend by presenting the BSI Mobile service as a form of digitalization of Islamic banking. However, out of a total of 19.2 million BSI customers, only around 6.3 million are recorded as using the mobile banking service. This low adoption rate indicates the need for further understanding of the factors that influence the use of BSI Mobile. This study aims to examine the determinants of BSI Mobile usage using the Unified Theory of Acceptance and Use of Technology 2 (UTAUT2) model, which consists of the variables Performance Expectancy, Effort Expectancy, Social Influence, Facilitating Conditions, Hedonic Motivation, Price Value, and Habit, as well as two dependent variables, namely Behavioral Intention and Behavioral Usage. The study was conducted with a quantitative approach using a survey method of 100 BSI Mobile user respondents in the Bukittinggi area. The data analysis technique used Structural Equation Modeling-Partial Least Square (SEM-PLS) with the help of SmartPLS 4.0 software. The results of the study indicate that performance expectancy, social influence, habit have a significant effect on behavioral intention which in turn has a significant effect on behavioral usage to use BSI Mobile. Meanwhile, Facilitating conditions and habits have a significant effect on behavioral usage. For effort expectancy, facilitating conditions, hedonic motivation, price value do not have a significant effect on behavioral intention and behavioral usage. These findings are expected to be a reference for banks in improving more effective and efficient digitalization service strategies, especially in Islamic banking.
Analyzing the Effect of Prime Services Provided by Hajj And Umrah Organizing Section at the Ministry of Religion Office in Pariaman Municipality on Prospective Hajj Pilgrim’s Satisfaction Putri, Friska Etvari; Puteri, Hesi Eka
Munazzama: Journal of Islamic Management and Pilgrimage Vol. 4 No. 1 (2024): June
Publisher : Fakultas Dakwah dan Komunikasi Universitas Islam Negeri Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21580/mz.v4i1.17216

Abstract

This study aims to disclose how the prime services provided by the Hajj and Umrah Organizing Section of Ministry of Religion in Pariaman Municipality affects the satisfaction of prospective pilgrims. This study offered quantitative data. The sample was taken using quota sampling. The research used primary data collected from respondents by distributing 93 questionnaires. The data were analyzed using simple linear regression, classical assumption test, and hypothesis test assisted by SPSS 20 application. Based on the significance value of <0.01 or X 0.000 <0.01 for the relationship between the prime service variable (X) and the pilgrim’s satisfaction (Y), Ho was rejected and Ha was accepted. This indicated that prime service (x) was associated with pilgrim’s satisfaction (y). Based on this research’s findings, it could be inferred that the quality services provided by the Ministry of Religion in Pariaman Municipality influenced the prospective pilgrim’s satisfaction. Thus, it is recommended that the Hajj and Umrah Organizing Section keeps on improving their service quality to ensure that prospective pilgrims remain satisfied.
Analisis Efektifitas Program Nasional Pemberdayaan Masyarakat Mandiri Pedesaan (PNPM-MP) Simpan Pinjam Perempuan (Studi Kasus Nagari IV Koto Palembayan Kecamatan Palembayan Kabupaten Agam) Hamdani, Rafli; Puteri, Hesi Eka; Asyari, Asyari; Rahman, Ali
Jurnal Pendidikan Tambusai Vol. 9 No. 3 (2025): Desember
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

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

Abstract

Penelitian ini bertujuan untuk menganalisis efektivitas program SPP di Nagari IV Koto Palembayan, Kabupaten Agam, Sumatera Barat. Pendekatan yang digunakan adalah penelitian kualitatif dengan metode deskriptif, melalui teknik wawancara mendalam, observasi lapangan, dan dokumentasi. Analisis data dilakukan dengan model Miles dan Huberman. Hasil penelitian menunjukkan bahwa program SPP telah memberikan kontribusi positif terhadap pencapaian visi dan misi PNPM-MP, khususnya dalam pemberdayaan ekonomi perempuan dan pengurangan ketergantungan terhadap rentenir. Namun, efektivitas program masih belum optimal karena dana pinjaman kerap digunakan untuk kebutuhan konsumtif, minimnya pelatihan usaha, serta lemahnya sistem monitoring dan evaluasi. Beberapa anggota berhasil mengembangkan usaha kecil seperti warung dan pertanian, tetapi sebagian lainnya mengalami stagnasi pendapatan akibat keterbatasan akses pasar dan kondisi eksternal lainnya. Analisis efektivitas berdasarkan teori Henderson menunjukkan bahwa meskipun proses administrasi berjalan baik, terdapat celah dalam aspek kualitas proses dan pemanfaatan output. Oleh karena itu, peningkatan efektivitas program SPP memerlukan penguatan pelatihan kewirausahaan, pendampingan berkelanjutan, dan perbaikan sistem pengawasan internal. Temuan ini diharapkan dapat menjadi dasar rekomendasi kebijakan untuk mendorong keberlanjutan program pemberdayaan berbasis syariah di wilayah pedesaan.
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

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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.
BMT's Role as a Strategic Partner of Sharia Banks: Reviewing the Effectiveness of Channeling Programs in Creating Islamic Financial Inclusion Anggreni, Melisa; Puteri, Hesi Eka
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v5i4.4702

Abstract

This study aims to examine the role of Baitul Maal wa Tamwil (BMT) in increasing the liquidity of Islamic banks in Indonesia. This research uses qualitative research methods with a case study approach. The data used in this study came from several BMTs that have cooperation with Islamic banks in terms of liquidity. The data collection techniques used in this study were observation and documentation. The data analysis technique used in this study is qualitative data analysis with a descriptive analysis model. The results of this study show that BMT acts as a strategic partner of Islamic banks in terms of liquidity, both through the placement of deposit funds, the purchase of Islamic money market instruments, the distribution of productive financing, and the development of Islamic financial inclusion. BMT also has a fairly high liquidity performance, with ratios that show good numbers and are in accordance with standards set by relevant authorities. BMT is influenced by internal and external factors that affect its liquidity, such as BMT size, capital, profitability, asset quality, market sensitivity, and macroeconomic conditions. BMT has differences and similarities with Islamic banks and other non-Islamic bank financial institutions in terms of liquidity, depending on its characteristics, scale, and scope of business. This research provides theoretical and practical implications for the development of theory and practice of liquidity management of Islamic banks and non-Islamic bank financial institutions in Indonesia, as well as providing suggestions for further research.
The Role of Monetary Authorities and Banking Regulators in Supporting Sharia Bank Liquidity Restika, Restika; Puteri, Hesi Eka
Al-Kharaj: Journal of Islamic Economic and Business Vol. 5 No. 4 (2023): All articles in this issue include authors from 3 countries of origin (Indonesi
Publisher : LP2M IAIN Palopo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24256/kharaj.v5i4.4716

Abstract

This study aims to analyze the influence of the role of monetary authorities and banking regulators on the liquidity of Islamic banks in Indonesia. This research uses a qualitative approach with panel data analysis method. The sample of this study is 27 Islamic banks operating in Indonesia during the period 2019-2022. The data used are secondary data obtained from Islamic bank financial statements, Islamic banking statistics, and publications of relevant authorities. The results of this study show that the role of monetary authorities and banking regulators has a positive and significant influence on the liquidity of Islamic banks in Indonesia. This shows that the role of monetary authorities and banking regulators is very important in influencing the performance, growth, and stability of Islamic banking in Indonesia. This research provides theoretical and practical contributions for academics, practitioners, and policy makers with an interest in the liquidity management of Islamic banks. This research also provides input and advice for monetary authorities and banking regulators in increasing their role in supporting Islamic bank liquidity in Indonesia.
Social Performance of Rural Bank: Impact of Commercialization Factors Puteri, Hesi Eka
JDM (Jurnal Dinamika Manajemen) Vol 11, No 1 (2020): March 2020
Publisher : Department of Management, Faculty of Economics and Business, Universitas Negeri Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15294/jdm.v11i1.23091

Abstract

Although social performance is an important target in islamic rural bank, this performance is constrained by various factors of commercialization. This study examined the impact of commercialization factors covering profitability, regulation, and competition on the social performance of rural bank. This research was quantitative that based on a survey on fifty units of rural banks in West Sumatera province of Indonesia from 2016 to 2018. The secondary data collected from the publication of financial services authority and other financial documents at rural banks then analyzed with panel data regression. The findings of this research showed that profitability and competition influenced the social performance, meanwhile regulation could not predict the achievement of social performance.  This finding reinforced the previous studies which identified the impact of some commercialization indicators towards the achievement of social performance but there was no regulation’s impact on social performance.  The impact of regulation which was originally expected to be able to strengthen the social responsibility mission of rural banks evidently did not stimulate the increase of social performance.
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
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.