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All Journal Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Jurnal Sistim Informasi dan Teknologi
Moh. Samsul Arifin
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Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Perbandingan Kinerja Keuangan Bank Konvensional Dengan Bank Syariah Dianalisa Anggraini Zareta; Abd Ghafur; Moh. Samsul Arifin
Jurnal Ekonomi Bisnis, Manajemen dan Akuntansi (JEBMA) Vol. 4 No. 1 (2024): Artikel Riset Maret 2024
Publisher : ITScience (Information Technology and Science)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47709/jebma.v4i1.3661

Abstract

Bank merupakan salah satu lembaga yang berperan sebagai perantara keuangan yang memiliki peran penting bagi perekonomian suatu negara. Diera globalisasi saat ini cukup banyak bank konvensional yang telah membuka atau mendirikan cabang yang bersifat syariah. Jenis data yang dalam pendekatan penelitian ini adalah data deskriptif komperatif melalui pendekatan kuantitatif. Sampel yang digunakan yaitu 3 bank konvensional yang terdiri dari bank BCA, bank BNI, dan bank BRI dan 3 bank syariah yang terdiri dari bank BSI, bank MEGA S, dan bank BTN S dengan periode tahun 2020-2022. Alat analisis yang digunakan dalam pengujian hipotesis pada penelitian ini ialah uji independen sampel t-test dan homogenitas sapiro wilk. Dengan pendekatan rasio Return On Asset (ROA), Return On Equity (ROE), Loan To Deposit Ration (LDR), Non Perfoming Loans (NPL), Capital Adequacy Ration (CAR), Biaya Operasional Pendapatan Operasional (BOPO). Hasil penelitian menunjukan nilai ROA tidak terdapat perbedaan yang signifikan, nilai ROE menunjukan ada perbedaan yang signifikan, nilai NPL tidak ada perbedaan yang signifikan, untuk nilai LDR ada perbedaan yang sifnifikan, nilai CAR juga memiliki perbedaan yang signifikan, dan untuk nilai BOPO memiliki perbedaan yang signifikan. Akan tetapi jika ditinjau dari aspek keseluruhan bank syariah belum mampu menunjukan kinerja keuangan lebih baik dibandingkan dengan kinerja keuangan bank konvensional.
Structural Model Analysis of The Relationship Between Cross-National Trade, Use of Technology and Labor Costs Moh. Samsul Arifin; Teguh Prakoso; Aprilya Dwi Yandari; Rina Apriliani; Abdurohim
Jurnal Sistim Informasi dan Teknologi 2024, Vol. 6, No. 2
Publisher : SEULANGA SYSTEM PUBLISHER

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.60083/jsisfotek.v6i2.351

Abstract

This research aims to quantify the costs of job mobility, emphasizing the differences in costs faced by workers with different qualifications. Our analysis uses the Ordinary Least Squares and Instrumental Variables. The impact of trade and technological reforms on workers' welfare is largely dependent on the level of economic flexibility. In this context, high labor mobility costs become an important factor in analyzing the impact of trade policies. Despite workers' high mobility between job sectors, traditional theory suggests that this flexibility may not be as strong due to the greater influence of non-financial factors. This suggests that there needs to be a different policy approach to managing the impact of trade and technology reforms to ensure worker well-being and overall economic stability. Trade and technology reforms often result in increased efficiency, but they also incur certain costs. The finding that unskilled workers have higher mobility costs than semi-skilled workers is interesting, as it suggests that there are greater barriers for unskilled workers to move between employment sectors. The impact of slow adjustments in the labor market due to high mobility costs is also important, as this indicates that the economy takes a long time to adapt to changes, both from trade and technological reforms. This has long-term implications for the well-being of negatively affected workers, depending on the particular model parameters. It is important to continue to deepen our understanding of the costs of mobility and labor market adjustment, as this will help in designing better policies to support workers impacted by economic reform and change.
Co-Authors Abd Ghafur Abdurohim Aprilya Dwi Yandari Dianalisa Anggraini Zareta Rina Apriliani Teguh Prakoso