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All Journal Indonesian Journal of Business and Entrepreneurship (IJBE) Laa Maisyir Jurnal Ekonomi Islam JSEH (Jurnal Sosial Ekonomi dan Humaniora) Falah : Jurnal Ekonomi Syariah Tansiq: Jurnal Manajemen dan Bisnis Islam KEUNIS Al-Mustashfa Law and Justice Jurnal Ilmiah Ekonomi Islam Economica: Jurnal Ekonomi Islam al-Uqud : Journal of Islamic Economics al-Afkar, Journal For Islamic Studies QARDHUL HASAN: MEDIA PENGABDIAN KEPADA MASYARAKAT JMM UNRAM (Jurnal Magister Manajemen Universitas Mataram) PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat JESI (Jurnal Ekonomi Syariah Indonesia) JCRS (Journal of Community Research and Service) Amwaluna Jurnal Ekonomi dan Keuangan Syariah Jurnal Ecoment Global: Kajian Bisnis dan Manajemen LAN TABUR: Jurnal Ekonomi Syari’ah Al-Kharaj: Jurnal Ekonomi, Keuangan & Bisnis Syariah SOSIOEDUKASI : JURNAL ILMIAH ILMU PENDIDIKAN DAN SOSIAL Journal of Sustainable Community Development (JSCD) Jurnal Iqtisaduna Talaa : Journal of Islamic Finance el-Jizya: Jurnal Ekonomi Islam Jurnal Riset Ekonomi Syariah Bandung Conference Series : Sharia Economic Law Bandung Conference Series : Syariah Banking Journal of Islamic Economics and Business Jurnal Ekonomi Syariah Indonesia Jurnal Riset Perbankan Syariah Amwaluna: Jurnal Ekonomi dan Keuangan Syariah Tasharruf : Journal of Islamic Economics and Business LAN TABUR: JURNAL EKONOMI SYARIAH Al-Mustashfa: Jurnal Penelitian Hukum Ekonomi Syariah Economics and Digital Business Review
Popon Srisusilawati
Universitas Islam Badung
Religion Agriculture, Biological Sciences & Forestry Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

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MODEL KESIAPAN PEMERINTAH DAERAH DAN EKOSISTEM KEUANGAN SYARIAH DALAM PEMBENTUKAN KOPERASI MERAH PUTIH BERBASIS LEMBAGA KEUANGAN MIKRO SYARIAH: STUDI KASUS DI PROVINSI JAWA BARAT Popon Srisusilawati; Yayat Rahmat Hidayat; Mohamad Andri Ibrahim; Nanik Eprianti; Raditya Gantari Ahmad Riyadi; Muawia Y.I. Alzamli
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.418

Abstract

Transformasi Koperasi Desa/Kelurahan Merah Putih merupakan salah satu kebijakan strategis pemerintah dalam memperkuat ekonomi kerakyatan melalui pengembangan koperasi yang modern, inklusif, dan berkelanjutan. Keberhasilan implementasi kebijakan tersebut tidak hanya bergantung pada pembentukan kelembagaan koperasi, tetapi juga pada kesiapan pemerintah daerah serta dukungan ekosistem keuangan syariah, khususnya Lembaga Keuangan Mikro Syariah (LKMS). Penelitian ini bertujuan menganalisis kesiapan pemerintah daerah dan ekosistem keuangan syariah di Provinsi Jawa Barat dalam mendukung transformasi Koperasi Merah Putih berbasis LKMS melalui aspek regulasi, sumber daya manusia, dan infrastruktur keuangan syariah. Penelitian menggunakan pendekatan kualitatif dengan desain studi kasus. Data diperoleh melalui wawancara mendalam, observasi, dan studi dokumentasi terhadap pemerintah daerah, pengelola koperasi, pengelola LKMS, akademisi, serta pemangku kepentingan terkait. Analisis data dilakukan menggunakan model interaktif Miles, Huberman, dan Saldaña yang meliputi reduksi data, penyajian data, serta penarikan kesimpulan. Hasil penelitian menunjukkan bahwa keberhasilan transformasi Koperasi Merah Putih dipengaruhi oleh tiga faktor utama, yaitu kesiapan regulasi, kompetensi sumber daya manusia, dan ketersediaan infrastruktur keuangan syariah. Regulasi yang adaptif memberikan kepastian dalam implementasi kebijakan, SDM yang kompeten meningkatkan profesionalisme pengelolaan koperasi, sedangkan infrastruktur digital dan akses pembiayaan syariah memperkuat efektivitas pelayanan koperasi. Selain itu, kolaborasi antara pemerintah daerah, LKMS, perguruan tinggi, dunia usaha, dan masyarakat menjadi faktor penting dalam membangun ekosistem koperasi yang modern dan berkelanjutan. Penelitian ini menghasilkan model transformasi Koperasi Merah Putih berbasis LKMS yang dapat menjadi rekomendasi bagi pemerintah daerah dalam memperkuat implementasi kebijakan koperasi berbasis ekonomi syariah.
Assessing Customer Satisfaction in Islamic Rural Banks: An Importance-Performance Analysis of BPRS Amanah Bangsa Yayat Rahmat Hidayat; Popon Srisusilawati; Nanik Eprianti; M. Andri Ibrahim
Journal of Islamic Economics and Business Vol. 5 No. 1 (2025): Journal of Islamic Economics and Business
Publisher : Fakultas Ekonomi dan Bisnis Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/jieb.v5i1.48319

Abstract

This study measures customer satisfaction at BPRS Amanah Bangsa using Importance-Performance Analysis (IPA). While previous research has mainly examined Islamic commercial banks, this study extends the application of IPA to Islamic rural banks, offering micro-level insights into service quality attributes often overlooked in the literature. Results show an average conformity level of 106.47% and a Customer Satisfaction Index (CSI) of 66.24%, indicating customers are generally satisfied. However, gaps remain in promotional tools, service responsiveness, and customer data privacy. The findings contribute by highlighting critical service areas for improvement in BPRS and demonstrating the applicability of IPA in strengthening the competitiveness of small-scale Islamic financial institutions.
Toward Net Zero: Islamic Financial Innovation in The Carbon Economy Nanik Eprianti; Mohamad Andri Ibrahim; Popon Srisusilawati; Yayat Rahmat Hidayat
al-Afkar, Journal For Islamic Studies Vol. 9 No. 1 (2026)
Publisher : Perkumpulan Dosen Fakultas Agama Islam Indramayu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31943/afkarjournal.v9i1.2787

Abstract

Green finance has gained significant momentum in recent years, but its alignment with Islamic finance principles remains under-explored, particularly in the context of carbon pricing and carbon trading mechanisms. This is illustrated by the fact that climate change has prompted the global community to adopt various strategies, including the development of carbon market mechanisms. Exploring the potential of the carbon market as an effective tool in reducing greenhouse gas emissions, while considering the principles of Islamic finance. This study aims to develop Sharia-based sustainable financial instruments as a strategy to address the impacts of climate change through the utilization of the carbon market.  This research method uses a qualitative approach that combines bibliometric analysis, policy document reviews, and expert interviews. This study identifies critical gaps in the integration of Islamic finance with carbon market mechanisms and the design of sustainable financial instruments that comply with Sharia principles. This study uses a qualitative approach with a descriptive-exploratory method. A qualitative approach is used to understand in depth the concepts, phenomena, and characteristics of Islamic financial instruments and how they can be implemented in the carbon market. The findings show that Islamic finance has great untapped potential to mobilize ethical capital and share risks for climate-friendly projects, especially in Muslim-majority countries and emerging economies. Nevertheless, regulatory standardisation, sharia governance frameworks, and investor education remain key challenges that must be addressed to enhance the scalability and credibility of such instruments. By bridging the gap between Islamic finance and carbon economy strategies, this study contributes to the growing discourse on green Islamic finance and offers practical policy recommendations to strengthen the role of Islamic financial institutions in achieving both national and global net-zero targets.
Pendampingan Pemilihan Portofolio Keuangan Syariah bagi Ibu PKK Kelurahan Kadungora Kecamatan Kadungora: Guidance in Selecting Sharia Financial Portfolio for PKK Women in Kadungora Village, Kadungora District Yayat Rahmat Hidayat; Nanik Eprianti; Popon Srisusilawati; Mohamad Andri Ibrahim
PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat Vol. 11 No. 6 (2026): PengabdianMu: Jurnal Ilmiah Pengabdian kepada Masyarakat
Publisher : Institute for Research and Community Services Universitas Muhammadiyah Palangkaraya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33084/pengabdianmu.v11i6.10498

Abstract

The problem is that people still save in savings-and-loan cooperatives through arisan, which often ends in fraud. This is due to a lack of public knowledge and understanding of the types of Sharia financial products, and a lack of awareness of how to check financial portfolios that hold OJK permits, which contributes to the lack of public interest in using Sharia financial products. The community still has limited information about Sharia financial products. Therefore, to increase understanding and increase the use of sharia financial portfolios for the community in Kadungora village, it is necessary to assist the selection of sharia financial portfolios for PKK mothers who represent the Kadungora community. The purpose of this study is to provide the community, through PKK mothers, with knowledge about Sharia financial portfolio literacy and the benefits of Sharia financial portfolios in Kadungora Village. Mentoring activities using an innovative literacy approach are among the factors that support the Partner's goal, namely, increasing knowledge in Kadungora Village and increasing community interest in using sharia financial portfolios, thereby positively impacting the development of the sharia economy. The method in mentoring PKK mothers is by contacting and establishing cooperation with the village head in Kadungora village, then conducting an approach with a survey to Kadungora village, then gathering PKK mothers and providing an overview of mentoring activities, as well as providing literacy mentoring to PKK mothers about various types of sharia financial portfolios and the benefits, and how to calculate the profit of a sharia financial portfolio.
MEMBANGUN EKOSISTEM KEUANGAN SYARIAH UNTUK PEMBERDAYAAN UMKM: PERSPEKTIF COLLABORATIVE GOVERNANCE Jiwa Riwayanti; Gina Sofia Rahman; Suci Rahmadani; Popon Srisusilawati
Jurnal Ekonomi Syariah Indonesia (JESI) Vol. 5 No. 1 (2026): Maret
Publisher : STEI Al-Amar Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.57171/jesi.v5i1.453

Abstract

Usaha Mikro, Kecil, dan Menengah (UMKM) memiliki peran strategis dalam perekonomian Indonesia, namun masih menghadapi keterbatasan akses pembiayaan, rendahnya literasi keuangan, lemahnya kapasitas administratif, serta belum terintegrasinya program pemberdayaan. Keuangan syariah memiliki potensi untuk mengatasi permasalahan tersebut melalui integrasi pembiayaan komersial dan sosial yang berorientasi pada keadilan, kemitraan, dan pemberdayaan. Penelitian ini bertujuan menganalisis pengembangan ekosistem keuangan syariah bagi pemberdayaan UMKM melalui perspektif collaborative governance serta merumuskan model ekosistem yang mengintegrasikan peran para pemangku kepentingan. Penelitian menggunakan pendekatan kualitatif deskriptif dengan data sekunder yang bersumber dari dokumen kebijakan, laporan institusi, dan literatur akademik. Data dianalisis menggunakan content analysis berdasarkan empat dimensi collaborative governance, yaitu starting conditions, institutional design, facilitative leadership, dan collaborative process. Hasil penelitian menunjukkan bahwa Indonesia telah memiliki kapasitas kelembagaan, regulasi, dan instrumen keuangan syariah yang relatif memadai, tetapi implementasinya masih menghadapi fragmentasi program, kesenjangan informasi dan kapasitas antaraktor, lemahnya integrasi data, serta belum optimalnya koordinasi dan evaluasi bersama. Pemerintah perlu menjalankan peran sebagai regulator, fasilitator, dan orchestrator yang menghubungkan lembaga keuangan syariah, lembaga sosial Islam, akademisi, komunitas, dan UMKM. Model yang dihasilkan mengintegrasikan fungsi pembiayaan, penguatan kapasitas, dan pemberdayaan serta mendorong mekanisme transisi UMKM dari pembiayaan sosial menuju pembiayaan komersial. Ekosistem keuangan syariah berbasis collaborative governance berpotensi memperluas akses pembiayaan sekaligus memperkuat kapasitas, kemandirian, dan keberlanjutan UMKM.
Capital Intensity And Asset Efficiency In Regional Islamic Banks: Evidence From Bank BJB Syariah Nanik Eprianti; Mohamad Andri Ibrahim; Yayat Rahmat Hidayat; Popon Srisusilawati; Aam Slamet Rusydiana
Lan Tabur: JURNAL EKONOMI SYARIAH Vol. 8 No. 1 (2026): September
Publisher : LAN TABUR: Jurnal Ekonomi Syariah The Islamic University of KH. Achmad Muzakki Syah Jember, East Java. Jember Jln. Manggar Gebang Poreng 139A Patrang Jember Jawa Timur

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53515/lt.v8i1.231

Abstract

Introduction: Bank BJB Syariah, as a regional Islamic financial institution, continues to face challenges in maximizing financial performance, particularly in optimizing asset utilization to support product sales. This study aims to investigate the impact of Capital Intensity Ratio (CIR) a key economic metric measuring capital efficiency in generating productive assets on the asset growth of Bank BJB Syariah over the period 2009–2024. Methods: This research applies a quantitative descriptive approach using annual financial data from 2009 to 2024. The empirical analysis is conducted using simple linear regression, incorporating classical assumption testing, a partial t-test, and the coefficient of determination to evaluate the significance and strength of the relationship between CIR and asset value. Results: Findings reveal that CIR has a positive and significant effect on asset performance, with the coefficient of determination indicating that CIR contributes 56.7% to the total variation in asset growth. Conclusion And Suggestion: The results highlight Bank BJB Syariah’s ability to manage capital effectively, leading to enhanced asset productivity, profitability, and competitive positioning within the Islamic banking sector. It is suggested that the bank maintains and further optimizes its capital utilization strategies to support sustained long-term financial performance.
Implementasi Undang-Undang Nomor 33 Tahun 2014 Tentang Jaminan Produk Halal terhadap Sertifikasi Halal UMKM di Kota Bandung Muhammad Rafli Akbar; Popon Srisusilawati; Neng Dewi Himayasari
Bandung Conference Series: Sharia Economic Law 41-48
Publisher : UNISBA Press

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssel.v6i2.23987

Abstract

Abstract. Halal product assurance is a form of legal protection provided by the government to ensure that Muslim consumers obtain certainty regarding the halal status of products. The government has simplified the halal certification process for Micro and Small Enterprises (MSEs) through the self-declare mechanism regulated under Law Number 33 of 2014 concerning Halal Product Assurance, as amended by Law Number 6 of 2023 concerning Job Creation. However, many MSEs have not yet obtained halal certificates. This study aims to analyze the implementation of the Halal Product Assurance Law on halal certification for MSEs in Bandung City and to identify the supporting and inhibiting factors in its implementation. This research employed an empirical juridical approach using qualitative methods. Data were collected through interviews, observations, documentation, and literature studies. The findings indicate that the implementation of halal certification through the self-declare mechanism has simplified the certification process for MSEs, but its implementation has not been fully effective. The main obstacles include limited understanding among business actors regarding certification procedures, insufficient government outreach, limited availability of Halal Product Process Assistants (P3H), and low legal awareness among MSEs. Supporting factors include simplified certification procedures, free halal certification for eligible MSEs, and government support through the Halal Product Assurance Organizing Agency (BPJPH). Therefore, improving public outreach, assistance, and inter-agency coordination is necessary to optimize the implementation of halal certification policies. Abstrak. Jaminan produk halal merupakan salah satu bentuk perlindungan hukum yang diberikan negara kepada masyarakat, khususnya konsumen muslim, agar memperoleh kepastian mengenai kehalalan produk yang dikonsumsi. Pemerintah telah memberikan kemudahan bagi pelaku Usaha Mikro dan Kecil (UMK) melalui mekanisme self-declare sebagaimana diatur dalam Undang-Undang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal sebagaimana telah diubah dengan Undang-Undang Nomor 6 Tahun 2023 tentang Cipta Kerja. Namun, dalam pelaksanaannya masih banyak pelaku UMKM yang belum memiliki sertifikat halal. Penelitian ini bertujuan untuk mengetahui implementasi UndangUndang Nomor 33 Tahun 2014 tentang Jaminan Produk Halal terhadap pelaksanaan sertifikasi halal UMKM di Kota Bandung serta mengetahui faktor-faktor yang mendukung dan menghambat implementasinya. Penelitian ini menggunakan metode penelitian kualitatif dengan pendekatan yuridis empiris. Data diperoleh melalui wawancara, observasi, dokumentasi, dan studi kepustakaan. Hasil penelitian menunjukkan bahwa implementasi kebijakan sertifikasi halal melalui mekanisme self-declare telah memberikan kemudahan bagi pelaku UMKM, namun pelaksanaannya belum berjalan secara optimal. Hambatan yang ditemukan antara lain masih rendahnya pemahaman pelaku usaha mengenai prosedur sertifikasi halal, kurangnya sosialisasi dari pemerintah, keterbatasan pendamping proses produk halal (P3H), serta rendahnya kesadaran hukum pelaku usaha. Adapun faktor pendukung implementasi kebijakan ini meliputi adanya penyederhanaan prosedur sertifikasi, pembiayaan sertifikasi halal gratis bagi UMK, serta dukungan pemerintah melalui Badan Penyelenggara Jaminan Produk Halal (BPJPH). Oleh karena itu, diperlukan peningkatan sosialisasi, pendampingan, dan koordinasi antarinstansi agar implementasi kebijakan sertifikasi halal dapat berjalan lebih efektif.
Pengaruh Diversifikasi Portofolio Pembiayaan terhadap ROA BPRS di Indonesia 2019–2024 Darman Puja Kurniawan; Popon Srisusilawati; Ifa Hanifa Senjati
Bandung Conference Series: Syaria Banking 37-44
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i1.23203

Abstract

Abstract. Islamic Rural Banks (BPRS) play an important role in supporting the financing of micro, small, and medium enterprises (MSMEs) in Indonesia. However, their limited scale of operations makes BPRS highly dependent on financing disbursement as the primary source of income, thereby making the structure and diversification of financing portfolios a crucial factor in risk management and financial performance. This study aims to analyze the level of financing portfolio diversification, the development of Return on Assets (ROA), and the effect of financing portfolio diversification on ROA in BPRS in Indonesia during the 2019–2024 period. This study employs a quantitative approach with a causal associative method and panel data regression analysis. The sample consists of seven Islamic Rural Banks selected through purposive sampling from 164 BPRS operating in Indonesia in 2019. Financing portfolio diversification is measured using the Herfindahl–Hirschman Index (HHI), while financial performance is measured by Return on Assets (ROA). Data analysis is conducted using EViews software with a Random Effect Model (REM). The results indicate that the level of financing portfolio diversification in BPRS remains relatively low and is predominantly concentrated in murabahah contracts. The development of ROA shows a fluctuating pattern, declining during the COVID-19 pandemic and improving during the economic recovery period. Regression results show that financing portfolio diversification has a positive but statistically insignificant effect on ROA. This suggests that diversification has not yet become a dominant factor in improving BPRS profitability, with financial performance being more strongly influenced by other factors such as financing quality and operational efficiency. Abstrak. Bank Pembiayaan Rakyat Syariah (BPRS) memiliki peran strategis dalam mendukung pembiayaan usaha mikro, kecil, dan menengah (UMKM) di Indonesia. Keterbatasan skala usaha menyebabkan BPRS sangat bergantung pada penyaluran pembiayaan sebagai sumber pendapatan utama, sehingga struktur dan tingkat diversifikasi portofolio pembiayaan menjadi faktor penting dalam pengelolaan risiko dan kinerja keuangan. Penelitian ini bertujuan untuk menganalisis tingkat diversifikasi portofolio pembiayaan, perkembangan Return on Assets (ROA), serta pengaruh diversifikasi portofolio pembiayaan terhadap ROA pada BPRS di Indonesia periode 2019–2024. Penelitian ini menggunakan pendekatan kuantitatif dengan metode asosiatif kausal dan analisis regresi data panel. Sampel penelitian terdiri dari tujuh BPRS yang dipilih melalui teknik purposive sampling dari 164 BPRS yang beroperasi di Indonesia pada tahun 2019. Tingkat diversifikasi portofolio pembiayaan diukur menggunakan Herfindahl–Hirschman Index (HHI), sedangkan kinerja keuangan diukur menggunakan Return on Assets (ROA). Analisis data dilakukan dengan perangkat lunak EViews menggunakan model regresi Random Effect Model (REM). Hasil penelitian menunjukkan bahwa tingkat diversifikasi portofolio pembiayaan BPRS masih tergolong rendah dan didominasi oleh akad murabahah. Perkembangan ROA menunjukkan pola fluktuatif, dengan penurunan pada masa pandemi COVID-19 dan peningkatan pada periode pemulihan ekonomi. Hasil estimasi regresi menunjukkan bahwa diversifikasi portofolio pembiayaan memiliki hubungan positif terhadap ROA, namun tidak berpengaruh signifikan secara statistik. Temuan ini mengindikasikan bahwa diversifikasi portofolio pembiayaan belum menjadi faktor dominan dalam meningkatkan profitabilitas BPRS, dan kinerja keuangan lebih dipengaruhi oleh faktor lain seperti kualitas pembiayaan dan efisiensi operasional.
Pemetaan Efisiensi Pembiayaan Hijau Syariah Bank Umum Syariah Indonesia: Pendekatan DEA 2021–2024 Kayla Maritza Hanafi; Popon Srisusilawati; Mohamad Andri Ibrahim
Bandung Conference Series: Syaria Banking 97-104
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24373

Abstract

Abstract. Sharia green financing is a strategic instrument for Islamic Commercial Banks (BUS) in supporting sustainable development in accordance with the principles of maqasid sharia. However, the distribution of efficiency among BUS remains highly variable and has not been comprehensively mapped. This article aims to map the level of green financing efficiency in eight BUS in Indonesia for the period 2021–2024 using Data Envelopment Analysis (DEA) with Constant Returns to Scale (CRS) and Variable Returns to Scale (VRS) assumptions. The measurement results show an average CRS efficiency of 0.826 and a VRS of 0.877, with significant variation between banks. Based on their efficiency patterns, BUS can be grouped into four typologies: consistently efficient, unstable efficient, medium-improving, and persistently inefficient. BSI and Bank Panin Dubai Syariah are in the consistently efficient group, while Bank Muamalat Indonesia consistently scores the lowest. This pattern reflects disparities in managerial and strategic capacity in allocating resources to green financing. These findings imply the need for differentiation of regulatory policies and strengthening of the institutional capacity of Islamic banks (BUS) according to their respective characteristics, as a step to support the OJK's 2021–2025 Sustainable Finance Roadmap. Abstrak. Pembiayaan hijau syariah merupakan instrumen strategis Bank Umum Syariah (BUS) dalam mendukung pembangunan berkelanjutan sesuai prinsip maqasid syariah. Namun, distribusi efisiensi antar-BUS masih sangat variatif dan belum terpetakan secara komprehensif. Artikel ini bertujuan memetakan tingkat efisiensi pembiayaan hijau pada delapan BUS di Indonesia pada periode 2021–2024 menggunakan Data Envelopment Analysis (DEA) dengan asumsi Constant Returns to Scale (CRS) dan Variable Returns to Scale (VRS). Hasil pengukuran menunjukkan rata-rata efisiensi CRS sebesar 0,826 dan VRS sebesar 0,877, dengan variasi antarbank yang cukup signifikan. Berdasarkan pola efisiensinya, BUS dapat dikelompokkan menjadi empat tipologi: efisien konsisten, efisien tidak stabil, menengah-membaik, dan inefisien persisten. BSI dan Bank Panin Dubai Syariah berada pada kelompok efisien konsisten, sementara Bank Muamalat Indonesia secara konsisten mencatat skor terendah. Pola ini mencerminkan disparitas kapasitas manajerial dan strategis dalam mengalokasikan sumber daya untuk pembiayaan hijau. Temuan ini berimplikasi pada perlunya diferensiasi kebijakan regulator dan penguatan kapasitas institusional BUS sesuai karakteristik masing-masing, sebagai langkah untuk mendukung Roadmap Keuangan Berkelanjutan OJK 2021–2025.
Pengaruh Transparansi terhadap Minat Anggota Musyarakah BMT KOPISA Margahayu Permai Andhiny Avrilia Rachmaningtyas; Popon Srisusilawati; Intan Manggala Wijayanti
Bandung Conference Series: Syaria Banking 129-136
Publisher : UPT Publikasi Ilmiah UNISBA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29313/bcssb.v5i2.24739

Abstract

Abstract. This study aims to analyze the effect of transparency on members' interest in using Musyarakah financing products at BMT KOPISA Margahayu Permai. This research employed a quantitative approach with an associative research design. The population consisted of 50 members using Musyarakah financing products, and the sample was selected through purposive sampling. Data were collected using questionnaires and analyzed with IBM SPSS Statistics through validity, reliability, normality, simple linear regression, t-test, and coefficient of determination (R²) analyses. The findings indicate that transparency has a positive and significant effect on members' interest, as evidenced by a t-value of 3.456 and a significance value of 0.001 (<0.05). The coefficient of determination (R Square) of 0.199 indicates that transparency explains 19.9% of the variation in members' interest, while the remaining 80.1% is influenced by other factors outside the scope of this study. These findings suggest that implementing transparency through information disclosure, clear procedures, and easy access to information can increase members' interest in using Musyarakah financing products at BMT KOPISA Margahayu PermaiAbstrak. Penelitian ini bertujuan untuk menganalisis pengaruh transparansi terhadap minat anggota dalam menggunakan produk pembiayaan Musyarakah di BMT KOPISA Margahayu Permai. Penelitian menggunakan pendekatan kuantitatif dengan jenis penelitian asosiatif. Populasi penelitian berjumlah 50 anggota pembiayaan Musyarakah dengan teknik pengambilan sampel purposive sampling. Data dikumpulkan melalui penyebaran kuesioner dan dianalisis menggunakan IBM SPSS Statistics melalui uji validitas, uji reliabilitas, uji normalitas, analisis regresi linear sederhana, uji t, dan koefisien determinasi (R²). Hasil penelitian menunjukkan bahwa transparansi berpengaruh positif dan signifikan terhadap minat anggota, dengan nilai t hitung sebesar 3,456 dan nilai signifikansi 0,001 (<0,05). Nilai koefisien determinasi (R Square) sebesar 0,199 menunjukkan bahwa transparansi mampu menjelaskan variasi minat anggota sebesar 19,9%, sedangkan 80,1% dipengaruhi oleh faktor lain di luar penelitian. Temuan ini menunjukkan bahwa penerapan transparansi melalui keterbukaan informasi, kejelasan prosedur, dan kemudahan akses informasi dapat meningkatkan minat anggota dalam menggunakan produk pembiayaan Musyarakah di BMT KOPISA Margahayu Permai.
Co-Authors 10010321023, Risma Junita Khaerunnisa A dliya wahyuni Aam Slamet Rusydiana Adieb Hilal Hamdala Adinda Putri Anggareini Agnia Ruslani Muftin Ahmad Ahmad Zaini, Abdul Malik dan Aisyah Shohwatul Islam Aisyah Shohwatul Islam Akbar S, Torik Akhmad Yusup Alfariedza Vania Zhafira Alfariedza Vania Zhafira Alisya Aulia Rusmana Amelia Nurhaliza Amila Vindi Oktaviana Amin Basir Amin Basir Andhiny Avrilia Rachmaningtyas Anggelia Nurfitria Anggelia Nurfitria Anisa Fitria Annisa Indrawati Anya Aurellya Arif Rijal Anshori Asep Ramdan Hidayat Asri Dara Binekas Atih Rohaeti Dariah Attari Najla Aulia Safira Maulida Ayu Tuty Utami Azka Dara Syahrani Cecep Soleh Kurniawan Cecep Soleh Kurniawan Cinta Auly Salzabilla Suherlan D. Gandana Madjakusumah Darman Puja Kurniawan Deden Gandana Madjakusumah Delia Dwiyanti Hasanah Dian Meliza Diana Rusdianawati Diandra Nur Afifah Azzahra Dita Rosyalita Elisa Siti Widyastuti Eva Fauziah Eva Misfah Bayuni Fahmi Fatwa Rosyadi Satria Hamdani Faisa Azmi Firjatullah Fakhri Ahmad Zainunnuri Farha Ratu Sabila Farhan Hilal Fayza Ikhrom Febriadi, Sandy Rizki Fitri Oktaviani Fitriana Wulandari Zulkarnaen Ghefira Faiza Azzahra Ghina Syifa Agustina Gina Nugrahawati Gina Sofia Rahman Habibi Nurul Yaqin Hagi Andhika Hana Khairunnisa Hernawati Hernawati Ibrahim, Mohammad Andri Ifa Hanifa Senjati Iik Juniartinur Ikrima Azkury Nabella Ilham Mujahid Imelda Putri Intan Manggala Wijayanti Intan Nurrachmi Ira Siti Rohmah Maulida Irma Yulita Silviany Irma Yunita Silviany Isfi Rizka Pitsyahara Ivan Wahyudi Iwan Permana Jessinta Shilva Bintan Namita Jiwa Riwayanti Kayla Maritza Hanafi Kurniawan, Cecep Soleh Lia Yulia lia yulia Malik, Zaini Maman Surahman Milka Nurul Fauziah Moh Ramdhan Rizalussani Mohamad Andri Ibrahim Mohammad Andri Ibrahim Muawia Y.I. Alzamli Muchammad Oki Sudarman Muhammad Amidan As Syakir Muhammad Andri Ibarahim Muhammad Arya Naufal Saleh Muhammad Gandhi Darmawan Muhammad Rafli Akbar Muhammad Rifqy Prabowo Mutiara Olencia Indra Nadya Az-Zahra Nadya Az-zahra Nahla Aulia Azzahra Nandang Ihwanudin Nanik Eprianti Neli Erlianti Nendiarti Juniar Neneng Hasanah Neneng Nurhasanah Neng Dewi Himayasari Nur Fadilah Sukmawardani Nur Hamidah, Siti Aulia Nurfitria, Anggelia Nymas Mu’nisah Anggraeni Nymas Mu’nisah Anggraeni OKTAVIA, REZA Panji Adam Agus Putra Permana, Iwan Prasetyo, Salma Nabila Putri Cantika Dewi Putri Diani Hardianti Putri, Imelda R. Ilfan Muhammad Abdurrasyid Raden Rahma Raijani Raditya Gantari Ahmad Riyadi Rahmadani, Yunifa Rahmah, Luni Nur Ramdan Fawzi Randi Ganjar Rani, Asni Mustika Ratih Tresnati Redi Hadiyanto Reyhan Maharis Fadilah Reyhan Maharis Fadilah Reza Fauzia Tarende Reza Naftali Rahmayosa Rihhadatull 'Aisy, Raisa Adila Rima Karnipa Agusti Riska Ariani Siregar Risma Mustika Fajaria Rita Mustika Rois, Yovanka Graciela Rosyidah, Fairuz Syifa Sabarina Irbah Safira Muthia Rosyid Salma Hayfa Victoria Sartika Herawati Selly Eriska Selva Selfia Ginanjar Shafa Luthfiah Nurlaeli Shakila Carisya Tsania Siregar, Ariani Siska Lis Sulistiani Siti Karomah Nuraeni Siti Rosiyana Dewi Siti, Elisa Sri Devi, Sri Sri Dewi Miladiyah Suci Rahmadani Syifa Tahany, Tahany Tiara Deasy Nurfitriani Sumarwan Tiara Marliana Tiara Marliana Tiya Rissa Kamila Tiya Rissa Kamila Torik Akbar S. Tri Ambarwati Vina Fazri Aryani Wahyudi, Ivan Winda Widya Rahma Yayat Rahmat Hidayat Zea Fauziah Zia Firdaus Nuzula