Claim Missing Document
Check
Articles

Found 8 Documents
Search

PENGARUH PENDANAAN MURABAHAH DAN MUSYARAKAH BANK SYARIAH INDONESIA TAHUN 2017-2021 TERHADAP KUALITAS LABA DENGAN NPF SEBAGAI VARIABEL MODERASI Muhammad Yusuf; Surya Tegar Widjiantoro
Jurnal Tabarru': Islamic Banking and Finance Vol. 6 No. 1 (2023): Jurnal Tabarru' : Islamic Banking and Finance
Publisher : Department of Islamic Banking, Faculty of Islamic Studies, Islamic University of Riau (UIR)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25299/jtb.2023.vol6(1).12383

Abstract

Latar belakang penelitian adalah pengaruh pembiayaan murabahah dan pembiayaan musyarakah yang masih terdapat research gap dengan menambahkan variabel X lainnya yaitu penambahan pembiayaan murabahah dan NPF yang merupakan salah satu disinsentif bagi bank untuk memperoleh laba atau keuntungan. Mengenai indikator pendanaan tidak teratur yang diukur dengan rasio Net Performance Funding (NPF). Studi ini didasarkan pada perhitungan tahunan untuk periode 2017-2021. Menggunakan metode deskriptif kualitatif dengan menggunakan metode purposive sampling. Dalam penelitian ini yang menjadi contoh adalah laporan keuangan tahun 2017-2021. Teknik pengumpulan data teknik dokumentasi dan studi literatur kemudian diuji dengan menggunakan uji SPSS 23.0 Berdasarkan hasil penelitian, murabahah memiliki pengaruh yang signifikan terhadap kualitas pendapatan Bank Syariah Indonesia periode 2017-2021. Tidak terdapat pengaruh yang signifikan terhadap kualitas laba antara musyarakah dengan Bank Syariah Indonesia tahun 2017-2021. Pada periode 2017-2021 terdapat pengaruh yang signifikan antara kualitas pendapatan NPF dengan Bank Syariah Indonesia. Murabahah dan NPF berpengaruh signifikan terhadap kualitas laba Bank Syariah Indonesia tahun 2017-2021.
EFEK LINGKUNGAN KERJA DAN KOMPENSASI TERHADAP LOYALITAS GURU PADA SEKOLAH WIDYA BATAM Lutfi Erwin Lubis; Surya Tegar Widjiantoro
JURNAL AS-SAID Vol. 1 No. 2 (2021): JUNI 2021
Publisher : LP2M-Institut Agama Islam Abdullah Said Batam

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

Abstract

The purpose of this study was to determine and analyze the effect of the work environment and compensation on teacher loyalty at the Widya Batam School. The research method used is a survey method with a causal technique because of the influence of several variables on teacher loyalty. The research population is teachers at the Widya Batam School of 137 teachers. The sample size taken is 102 teachers, with the sampling technique using the Slovin formula. This study uses a questionnaire instrument to measure three variables: work environment, compensation, and loyalty. These instruments were tested before being used to collect data, and the results of each instrument were valid and reliable. The data analysis technique used path analysis, which was used to test the significance of each path coefficient. The result of this study is that there is a significant direct effect between work environment on loyalty, and compensation on loyalty. Loyalty is the dependent variable. Work environment and compensation as important variables that affect loyalty, therefore it is suggested that the work environment and compensation should receive attention from the leaders at Widya School in order to increase teacher loyalty.
PENGARUH PEMBIAYAAN TERHADAP ASET PERBANKAN SYARIAH DENGAN NON PERFORMING FINANCE SEBAGAI VARIABEL MODERATING DI INDONESIA Surya Tegar Widjiantoro; Lutfi Erwin Lubis
JURNAL AS-SAID Vol. 1 No. 2 (2021): JUNI 2021
Publisher : LP2M-Institut Agama Islam Abdullah Said Batam

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

Abstract

This research is using secondary data obtained from the official website of Otoritas Jasa Keuangan (OJK). The data collected was from 2011 - September 2020. This study used MRA (Moderated Regression Analysis) method. This research was conducted to determine whether there is a partial influence and how is the form of moderation Pembiayaan yang disalurkan (PYD) on Islamic banking assets with Non Performing Finance (NPF) as a moderating variable. The results of this study indicate that there is a partial influence of the PYD variable on Islamic banking assets. This is evidenced by the acquisition of t count > t table (42,000>0.7111) and a significant value < α (0,000<0.05). Then the moderating variable in the form of Non Performing Finance (NPF) is able to moderate the relationship between PYD and Islamic Banking Assets. This is evidenced by the acquisition of a significance value in the third regression model (including the interaction variable) which is 0.000, this significance value is smaller than α = 0.05 (0.000<0.05).
LITERASI DIGITAL DAN TRANSAKSI E-COMMERCE DI SMA IT SOEMAN HS PEKANBARU Bobby Ferly; Ahda Segati; Surya Tegar Widjiantoro; Muhajirin Muhajirin
Journal Pengabdian Kepada Masyarakat (PKM) Vol 2 No 1 (2023): Jurnal Pengabdian Kepada Masyarakat
Publisher : LP2M STIES Imam Asy Syafii Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56184/jpkmjournal.v2i1.259

Abstract

Sekolah Tinggi Ilmu Ekonomi Syariah Imam Asy Syafii (STIES IMSYA) Pekanbaru adalah salah satu sekolah tinggi swasta yang ada di Pekanbaru-Riau. Sekolah tinggi ini berkonsentrasi kepada kegiatan perkembangan teknologi dan perekonomian yang sesuai dengan syariat ajaran Islam. Terciptanya kegiatan pengabdian ini berdasarkan atas pedulinya STIES IMSYA atas perkembangan teknologi sekarang. Teknologi telah maju dengan cepat, mengarah pada literasi. Di era digital saat ini, digital menjadi semakin signifikan. Karena maraknya transaksi online, banyak konsumen yang memilih menjalankan bisnisnya hanya secara online. Akibat minimnya literasi digital, banyak konsumen yang masih takut melakukan transaksi online. Istilah “literasi digital” menggambarkan kapasitas seseorang dalam menggunakan, mengakses, menilai, dan menganalisis informasi yang disediakan oleh teknologi digital. Literasi digital mencakup kapasitas untuk menggunakan alat-alat teknologi, melakukan pencarian dan penemuan informasi, serta menilai dan menerapkan pengetahuan yang ditemukan.
LITERASI DIGITAL DAN TRANSAKSI E-COMMERCE DI SMA IT SOEMAN HS PEKANBARU Bobby Ferly; Ahda Segati; Surya Tegar Widjiantoro; Muhajirin Muhajirin
Journal Pengabdian Kepada Masyarakat (PKM) Vol 2 No 1 (2023): Jurnal Pengabdian Kepada Masyarakat
Publisher : LP2M STIES Imam Asy Syafii Pekanbaru

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56184/jpkmjournal.v2i1.259

Abstract

Sekolah Tinggi Ilmu Ekonomi Syariah Imam Asy Syafii (STIES IMSYA) Pekanbaru adalah salah satu sekolah tinggi swasta yang ada di Pekanbaru-Riau. Sekolah tinggi ini berkonsentrasi kepada kegiatan perkembangan teknologi dan perekonomian yang sesuai dengan syariat ajaran Islam. Terciptanya kegiatan pengabdian ini berdasarkan atas pedulinya STIES IMSYA atas perkembangan teknologi sekarang. Teknologi telah maju dengan cepat, mengarah pada literasi. Di era digital saat ini, digital menjadi semakin signifikan. Karena maraknya transaksi online, banyak konsumen yang memilih menjalankan bisnisnya hanya secara online. Akibat minimnya literasi digital, banyak konsumen yang masih takut melakukan transaksi online. Istilah “literasi digital” menggambarkan kapasitas seseorang dalam menggunakan, mengakses, menilai, dan menganalisis informasi yang disediakan oleh teknologi digital. Literasi digital mencakup kapasitas untuk menggunakan alat-alat teknologi, melakukan pencarian dan penemuan informasi, serta menilai dan menerapkan pengetahuan yang ditemukan.
Pengaruh Harga Komoditas Pertambangan Dunia Terhadap Indeks Saham Syariah Indonesia Surya Tegar Widjiantoro
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.10550

Abstract

This research is using secondary data obtained from trusted global-scale sites. The data is collected from 2015 to 2023 and this research is using monthly time frame. This study uses multiple regression analysis method with 7 (seven) variables, 6 variables X and 1 variable Y. This study was conducted to determine the partial and simultaneous effect of Crude Oil, Silver, Coal, Cobalt, Steel, Nickel variables on ISSI. The results of this study indicate that the variables that have an effect on ISSI are Crude Oil, Silver and Steel variables and the variables that have no effect on ISSI are Coal. Cobalt, Nickel. This is evidenced by the results of the acquisition of each influential variable is Crude Oil (3.204 > 0.677), Silver (-1.146 < -0.677), Steel (2.211 > 0.677), and the variable that has no effect is Coal (0.291 < 0.677), Cobalt (0.259 < 0.677), Nickel (-0.558 > -0.677).
Pengaruh JII 70 Dan ISSI Terhadap Pertumbuhan Perekonomian Indonesia Zaidah, Ghina Rizki; Widjiantoro, Surya Tegar
Jurnal Ilmiah Ekonomi Islam Vol. 11 No. 03 (2025): JIEI : Vol. 11, No. 03, 2025
Publisher : ITB AAS INDONESIA Surakarta

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

Abstract

This research is based on the discrepancy between theory and facts found in the field, as well as inconsistent results from previous studies that serve as references in this study. The aim of this research is to analyze the influence of the Jakarta Islamic Index 70 (JII 70) and the Indonesian Sharia Stock Index (ISSI) on Indonesia's economic growth during the period of 2019-2023. The research method used is a quantitative approach with secondary data obtained from BPS, OJK, and investing web pages. The sample selection was done using purposive sampling technique, covering two sharia stock indices, namely JII 70 and ISSI. The partial test results show that JII 70 has a negative and significant effect on economic growth, while ISSI has a positive and significant effect. The simultaneous test indicates that overall, JII 70 and ISSI have a positive and significant impact on economic growth. The coefficient of determination of 95.7% indicates that these two variables can explain economic growth, while the remaining 4.3% is influenced by other factors.
Pengaruh perbankan konvensional terhadap pertumbuhan ekonomi dengan perbankan syariah sebagai variabel moderating menggunakan SEM-PLS Widjiantoro, Surya Tegar; Yusuf, Muhammad
AL-Muqayyad Vol. 8 No. 1 (2025): Al-Muqayyad
Publisher : STAI Auliaurrasyidin Tembilahan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46963/jam.v8i1.2728

Abstract

Islamic banking assets in Indonesia remain significantly behind conventional banking. In 2023, the assets of conventional banks reached over IDR 11,000 trillion, while Islamic banks accounted for only around IDR 580 trillion. This considerable asset gap motivates further investigation into the roles of both banking systems in economic development. This study aims to examine the influence of conventional banking on economic growth, the impact of Islamic banking on economic growth, and whether Islamic banking moderates the relationship between conventional banking and economic growth. The research employs the Structural Equation Modeling–Partial Least Squares (SEM-PLS) method, using annual secondary data from 2007 to 2023. The findings reveal that conventional banking significantly influences economic growth, while Islamic banking does not have a significant effect. Moreover, Islamic banking does not moderate the relationship between conventional banking and economic growth. These results highlight the need to strengthen the role of Islamic banking to enhance its contribution to national economic development.