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All Journal Jurnal Manajemen dan Inovasi (MANOVA) Mabsya: Jurnal Manajemen Bisnis Syariah Al'Adalah LITERA: Jurnal Ilmiah Multidisiplin
Thayib
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Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Journal : Jurnal Manajemen dan Inovasi (MANOVA)

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Rasio Gaji, Fraud, Dan Return On Asset Studi Bank Umum Syariah di Indonesia TRI HENDRIK; Zakiyah Nafsah; Thayib
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 6 No. 2 (2023): Juli
Publisher : Program Studi Manajemen Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sunan Ampel Surabaya

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Abstract

Dalam bekerja, sering dikaitkan dengan kompensasi yang didapat dan sudah diatur dalam undang-undang. Sedangkan Islam mengajarkan bekerja adalah aktivitas yang bernilai ibadah. Hukum di Indonesia yang mengatur kompensasi adalah Undang-Undang UU No.11 tahun 2020 tentang Cipta Kerja dan Ketenagakerjaan. Sehingga apabila kompensasi tidak sesuai dengan yang diharapkan akan berpengaruh terhadap kinerja. Karena bisa menimbulkan demotivasi, kekecewaan, kebutuhan terasa tidak tercukupi hingga bisa mengakibatkan tindakan hukum atau fraud. Kinerja dalam penelitian ini adalah Return on Asset (ROA) perusahaan. Dalam penelitian ini menguji hubungan rasio gaji, internal fraud, dan ROA studi kasus pada sembilan Bank Umum Syariah di Indonesia. Penelitian ini dikaitkan dengan teori pengharapan dan teori GONE (Greeds, Opportunities, Needs, Exposures). Metode penelitian ini menggunakan metode kuantitatif asosiatif dengan menggunakan metode ilmiah untuk mengetahui hubungan diantara variabel-variabel yang diuji dalam penelitian. Data yang terkumpul dianalisis menggunakan Software SmartPLS versi 3. Hasil penelitian ini menunjukan rasio gaji tidak berpengaruh terhadap terjadinya internal fraud dan peningkatan ROA. Sedangkan internal fraud tidak berpengaruh terhadap peningkatan ROA.
Akseleran as Social Entrepreneurship Fintech: Risk Mitigation Analysis and Sustainable Social Impact Development for MSMEs Putri, Fitriani Wijaya; Thayib
Jurnal Manajemen dan Inovasi (MANOVA) Vol. 8 No. 2 (2025): July
Publisher : Management Department, Faculty of Islamic Economics and Business, Universitas Islam Negeri Sunan Ampel Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15642/manova.v8i2.2093

Abstract

Objective – This study examines how Akseleran, a fintech company with a social entrepreneurship approach, serves as an inclusive financial innovation to address the financing gap for MSMEs in Indonesia. It does this by integrating adaptive risk management strategies with measurable social impact.Design/methodology/approach – . The research method used is descriptive qualitative with a literature study approach, reviewing scientific articles, industry reports, and actual case studies.Findings – Customer satisfaction is the most critical factor in customer loyalty, followed by green brand image and religiosity. However, greenwashing practices can weaken the relationship between religiosity and customer loyalty.Research limitations/implications – The results show that Akseleran implements a unique risk mitigation strategy through alternative data-based credit scoring, risk-based pricing, funding diversification, and protection through credit insurance. In addition, the case study shows that Akseleran's internal digital transformation has successfully improved service efficiency and supported the financing of more than 8,000 MSMEs until 2024.Practical implications – This research contributes to the development of an adaptive and resilient social-based fintech framework to support MSME empowerment.Originality/value – This study aims to analyse how Akseleran, as a social entrepreneurship-based peer-to-peer lending fintech platform, manages financial risk while creating sustainable social impact for MSMEs. Keywords: fintech, social entrepreneurship, MSMEs, risk mitigation, social impact
Co-Authors Hasan Muchammad Chafidz Muchlisin Putri, Fitriani Wijaya TRI HENDRIK Zakiyah Nafsah