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ANALISIS PENILAIAN KINERJA KEUANGAN BANK UMUM SYARIAH (BUS) DENGAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX PERIODE 2021-2023 Sri Anggraini; Hesi Eka Puteri
Jurnal Ekonomi dan Bisnis Vol. 3 No. 6 (2025): JUNI
Publisher : ADISAM PUBLISHER

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Abstract

This study aims to determine the financial performance of Islamic Commercial Banks with the islamicity performance index approach. The background of the author choosing this title is because the conventional approach that only focuses on financial ratios such as Return on Assets (ROA) and Return on Equity (ROE) is not sufficient to describe the overall performance of Islamic banks. A more comprehensive approach is needed, such as the Islamicity Performance Index, to assess other aspects of performance that are more in line with sharia principles. This research is a quantitative descriptive method. This study uses four indicators of islamicity performance index, namely profit sharing ratio, zakat performance ratio, islamic income vs non islamic income, and islamic investment vs non islamic investment. The population in this study was 13 Islamic commercial banks. Sampling using purposive sampling method at Islamic commercial banks registered with the Financial Services Authority (OJK) during the 2021-2023 period. Based on the results of data analysis and discussion, the research results show that the financial performance of Islamic Commercial Banks for the 2021-2023 period using the islamicity performance index approach shows the overall result of obtaining a score of 4 with a satisfactory predicate. Profit sharing ratio shows a score of 4 with a satisfactory predicate. For the zakat performance ratio, all banks still have a score of 1 with an unsatisfactory predicate. Islamic income vs non Islamic income, and Islamic investment vs non Islamic investment obtained a very satisfactory predicate, except Bank Mega Syariah obtained a score of 3 with a fairly satisfactory predicate on Islamic income vs non Islamic income. With this research, it can contribute to Islamic Commercial Banks to evaluate their performance which is still in the unsatisfactory category and maintain good performance.
Pengaruh Live Streaming TikTok Shop dan Brand Awareness terhadap Keputusan Pembelian Konsumen Muslim (Studi Kasus Masyarakat Jorong Sungai Magelang, Kecamatan Gunung Tuleh, Kabupaten Pasaman Barat) Fitri, Eriza; Puteri, Hesi Eka
Jurnal Pendidikan Tambusai Vol. 9 No. 2 (2025): Agustus
Publisher : LPPM Universitas Pahlawan Tuanku Tambusai, Riau, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/jptam.v9i2.29201

Abstract

Penelitian ini dilatar belakangi dengan era digital saat ini dimana internet tidak bisa dipisahkan dari individu, banyak orang yang melakukan kegiatan dengan internet termasuk berbelanja sehingga mengubah perilaku konsumen yang awalnya berbelanja secara langsung ke toko menjadi belanja dengan online seperti dengan live streaming TikTok Shop, tetapi masih banyak masyarakat tidak percaya melakukan pembelian secara online karena takut ditipu sehingga tidak melakukan keputusan pembelian. Jenis penelitian ini adalah kuantitatif dalam pengambilan sampel menggunakan metode purposive sampling, jenis data yang digunakan adalah data primer yang diperoleh dari responden melalui penyebaran kuesioner, teknik analisis data yang digunakan yaitu regresi linear berganda Hasil penelitian menunjukan bahwa live streaming TikTok Shop berpengaruh signifikan pada keputusan pembelian konsumen dimana nilai thitung > ttabel yaitu (4,079 > 1,987) dan memperoleh signifikan 0,000 < 0,05. Kemudian hasil pada variabel brand awareness berpengaruh signifikan terhadap keputusan pembelian konsumen, dimana thitung > ttabel yaitu (4,375 > 1,987) dan memperoleh signifikan 0,000 < 0,05. Serta hasil dari variabel live streaming TikTok Shop dan brand awareness secara simultan berpengaruh positif dan signifikan terhadap keputsan pembelian konsumen, dengan Fhitung > Ftabel yaitu (27,620 > 3,10) dan memperoleh signifikan 0,000 < 0,05 sehingga H3 yang menyatakan bahwa live streaming TikTok Shop dan brand awareness secara bersamaan berpengaruh terhadap keputusan pembelian konsumen. Konstribusi penelitian ini bagi para pelaku bisnis online yaitu mengetahui bahwa tannsaksi online dalam islam diperbolehkan namun memperhatikan nilai syariah seperti tidak menipu, gharar, riba, sehingga konsumen percaya pada transaksi online.
PENGARUH TINGKAT LIKUIDITAS DAN PERMODALAN TERHADAP TINGKAT PROFITABILITAS BANK MUAMALAT PERIODE 2015-2022 siregar, Parida mahrani; Puteri, Hesi Eka
JURNAL PROFIT Vol 6, No 2 (2022): Economic Banking
Publisher : Nurul Jadid University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33650/profit.v6i2.5096

Abstract

Profitabilitas merupakan tujuan utama setiap lembaga keuangan, ketika profitabiltas bank tersebut meningkat maka semakin baik kondisi bank tersebut dalam menjalankan operasionalnya. Penelitian ini bertujuan untuk menganalisis pengaruh tingkat likuidtas dan permodalan terhadap tingkat profitabilitas Bank Muamalat periode 2015-2022. Jenis penelitian ini penelitian kuantitatif dengan data skunder, data diambil dari laporan keuangan Bank Muamalat periode triwulan dari maret 2015-september 2022 sebanyak 31 laporan keuangan triwulan Bank Muamalat. Hasil penelitian membuktikan adanya pengaruh yang positif signifikan dari FDR dan CAR terhadap tingkat profitabilitas dengan kontribusi sebesar 57,8% sedangkan sisanya 53,2% dipengaruhi oleh variabel lain diluar model. Temuan ini meyakinkan calon investor dan pengambil kebijakan akan pentingnya tingkat profitabilitas dengan menjaga tingkat likuiditas dan permodalan  agar terhindar dari resiko.
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

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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

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.
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.