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All Journal JURNAL EKONOMI DAN BISNIS AIRLANGGA Jurnal Ilmiah Ekonomi Islam Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam Ekono Insentif Journal of Economics, Bussiness and Management Issues Business and Applied Management Journal
amal, Muhammad ahsanul
Unknown Affiliation
Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Social Sciences

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Impact of Financial Technology Firms on Banking Performance: Insights from Indonesia amal, Muhammad ahsanul; Fahmi, Noor Ali; Muhsin, An'nissa Miftahusnika Islami; Yustika, Baiq Reka; Shabur, Usman
Journal of Economics, Bussiness and Management Issues Vol. 1 No. 2 (2024): Januari-Maret
Publisher : Indonesian Journal Publisher

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.47134/jebmi.v2i1.168

Abstract

The presence of fintech companies in the banking sector of Indonesia plays a crucial role in enhancing the conventional financial system. This study examines the influence of financial technology (Fintech) firms on the performance of banks by utilizing data from the Indonesian banking sector between 2018 and 2022. This study employs a regression analysis using a data panel fixed effect model. This study quantifies the impact of different financial variables, including Capital Adequacy Ratio (CAR), Gross Non-Performing Loans (NPL), Net Interest Margin (NIM), Return On Assets (ROA), Return On Equity (ROE), Operating Expense to Operating Income (BOPO), and Loans. Control factors in the context of Fintech include the deposit ratio (LDR), gross domestic product (GDP), and inflation. The results indicate that the financial indicators, including CAR, NPLgross, ROA, ROE, and NIM, do not have a statistically significant influence on Fintech. Additionally, Fintech is significantly influenced by other indicators such as BOPO (Balance of Payments) and LDR (Loan-to-Deposit Ratio), as well as control variables, including GDP (Gross Domestic Product) and inflation. This demonstrates that Indonesian banks can reap advantages by engaging in partnerships with fintech startups to enhance the financial system and optimize corporate profitability resulting from this collaboration.
MARKET REACTIONS TO DIVIDENDS ANNOUNCEMENT: AN EVENT STUDY OF BRIS AND BTPS Amal, Muhammad Ahsanul; Darmawan; Lamondo
Jurnal Ekonomi dan Bisnis Airlangga Vol. 33 No. 1 (2023): JURNAL EKONOMI DAN BISNIS AIRLANGGA
Publisher : Fakultas Ekonomi dan Bisnis, Universitas Airlangga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20473/jeba.V33I12023.106-120

Abstract

Introduction: A dividend announcement is an information disclosed by a public company regarding the distribution of its corporate profits, whether in the form of dividends or retained earnings to strengthen the company in funding future investments. Dividend announcements might have either a positive or negative effect on the market. Methods: This quantitative research uses the event study method in the data collection period of 20 days, ten days before and ten days after the ex-dividend date. The analysis used is a descriptive statistical test, Shapiro-Wilk normality test, and hypothesis test. Results: The study results indicate that the market reaction is a change in the share price of PT. Bank Syariah Indonesia Tbk (BRIS), there is no significant difference between before and after the ex-dividend date but at PT. National Sharia Pension Savings Bank Tbk (BTPS) changes stock prices before and after the ex-dividend date, and there is a significant difference. Furthermore, for abnormal returns at PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference, as well as the trading volume activity of PT. Bank Syariah Indonesia Tbk (BRIS) and PT. National Sharia Pension Savings Bank Tbk (BTPS) before and after the ex-dividend date, there is no significant difference. Conclusion and suggestion: This is because the dividend policy is not a factor of investor interest in investing in the company but is determined through the earning power of the company's assets
Implementation of Good Corporate Governance in Madrasah Cooperatives as a Strategic Management Approach Hajarana, Siti; Amal, Muhammad Ahsanul; Faisal, Muhammad Fadli
Business and Applied Management Journal Vol. 2 No. 2 (2025): January-June
Publisher : Al-Qalam Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.61987/bamj.v2i2.508

Abstract

This study aims to analyze the implementation of Good Corporate Governance principles in the management of cooperatives in junior high schools as a strategic management approach. This study is driven by the importance of implementing GCG in junior high school cooperatives to improve transparency, accountability, and operational efficiency, which are challenges in managing educational cooperatives. The research method used is a qualitative approach with a case study type, involving in-depth interviews, direct observation, and documentation. Data were collected from cooperative managers, teachers, and cooperative members which were then analyzed using the Miles and Huberman approach. The results of the study indicate that although GCG principles such as transparency, accountability, and member participation have been implemented, there are still shortcomings in terms of effective internal supervision and performance measurement. Cooperative management is still constrained by technological limitations and lack of member involvement in cooperative evaluation. This study contributes insight into the implementation of GCG in the context of junior high school cooperatives, as well as providing recommendations for improving supervision, efficiency, and sustainability of cooperatives through a more structured GCG implementation that involves all related parties.
The Influence of Critical Factors on Customer Retention in Islamic Banking Gunawan, Dedi; Hanafi, Syafiq Mahmadah; Amal, Muhammad Ahsanul
Li Falah: Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): December 2024
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i2.11473

Abstract

This study aims to examine the key determinants of customer retention in Islamic banking, with a specific focus on Bank NTB Syariah. Five critical factors are analyzed: trust, Islamic business ethics, relationship marketing, service quality, and customer satisfaction. Using a quantitative approach, the research applies Stuctural Equation Modeling (SEM) with Partial Least Square (PLS) method to analyze survey data collected from 220 customers. The results indicate that trust, Islamic business ethics, and relationship marketing significantly and positively influence customer retention. Conversely, service quality and customer satisfaction were found to have no siginificant effect. These findings highlight that ethical compliance and strong relational ties are more influential than traditional service attributes in shaping customer loyalty within Islamic banking. The study contributes to the literature by integrating ethical and relational perspectives into models of customer retention and provides practical guidance for Islamic banks to strengthen customer loyalty through trust-building, adherence to Islamic ethics, and relationship marketing strategis.
Market Reaction to The Palestinian-Israeli Conflict: Analysis of PT. Unilever Nazmi, Redha Alfin; Andini, Nova Riza Ayu; Amal, Muhammad Ahsanul; Iftitah, Insiyatul
Li Falah: Journal of Islamic Economics and Business Vol. 9 No. 2 (2024): December 2024
Publisher : Institut Agama Islam Negeri Kendari

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31332/lifalah.v9i2.11474

Abstract

This study aims to analyze the impact of the Palestinian-Israeli conflict on stock market reactions, particularly at PT. Unilever Indonesia, focusing on changes in stock prices and abnormal returns before and after the boycott of Unilever products. This study employs a quantitative approach using an event study method conducted over 14 days, seven days before and seven days after the boycott issue emerged. The analytical techniques used include descriptive statistical tests, the Shapiro-Wilk normality test, and hypothesis testing using the paired sample t-test and the Wilcoxon signed-rank test. The study's results indicate significant differences in stock prices and abnormal returns of PT. Unilever Indonesia before and after the boycott issue, while trading volume activity did not differ significantly. The decline in stock prices and abnormal returns after the boycott issue indicates an adverse reaction from investors toward the company's involvement in the conflict. The implications of this study can provide insights to multinational companies on how global political conflicts can affect corporate image and financial performance through stock market reactions and the importance of more cautious communication strategies and policies in managing corporate involvement in global political issues.
Determinan Utang Luar Negeri Di Negara D-8 Periode 2011-2020 Muhsin, An’nissa Miftahusnika Islami; Wibowo, Muhammad Ghafur; Amal, Muhammad Ahsanul
Ekono Insentif Vol 18 No 1 (2024): Ekono Insentif
Publisher : Lembaga Layanan Pendidikan Tinggi Wilayah IV

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36787/jei.v18i1.1398

Abstract

Utang luar negeri di negara berkembang yang tergabung dalam D-8 masih menjadi isu penting yang perlu diteliti lebih lanjut mengenai variabel-variabel yang mempengaruhinya. Penelitian ini bertujuan untuk menguji pengaruh Produk Domestik Bruto (PDB), Nilai Tukar (Kurs), dan Pengeluaran Pemerintah (Gt) terhadap utang luar negeri di negara D-8. Penelitian ini merupakan penelitian kuantitatif dengan model kausalitas yang menguji tujuh negara yang masuk dalam kriteria sampel. Melalui model fixed effect didapatkan hasil penelitian seperti variabel PDB dan nilai tukar memiliki pengaruh positif dan signifikan terhadap utang luar negeri negara D-8. Sedangkan, pengeluaran pemerintah tidak terbukti memiliki pengaruh signifikan terhadap utang luar negeri di negara D-8. Pengelolaan pada utang luar negeri ini perlu dilakukan untuk dapat memberikan hasil yang positif pada perekonomian itu sendiri. Maka dari itu, diperlukan penelitian mengenai factor-faktor yang mempengaruhi tinggi rendahnya utang luar negeri di suatu negara.
Sinergitas Stakeholder Pengembangan Halal Fashion di Indonesia Amal, Muhammad Ahsanul
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.v9i3.10106

Abstract

The size of the Muslim population in Indonesia and the demographic bonus are factors in increasing the halal industry. The halal industry in Indonesia covers not only the halal food sector but also other sectors such as Islamic finance, halal travel, halal fashion, halal cosmetics and pharmaceuticals, and halal media end recreation. According to the State of the Global Islamic Economy Report 2022, Indonesia is still under the United Arab Emirates and Turkey and cannot become the world's center for halal fashion. Therefore halal fashion development model is needed so that Indonesia can compete with that country. This research aims to initiate a model of halal development in Indonesia. The approach used is descriptive analysis with secondary data. Research data was collected from books, articles, and reports published by relevant agencies, which were then reduced by data so that researchers could interpret the data collection results and conclude the research results. As for the results of research conducted on several sources, researchers found a halal fashion development model, where in this development model, the synergy of all elements is required, starting from the government, society (producers, distributors, and consumers), Islamic financial institutions, and research institutions and universities. to realize Indonesia as the center of world halal fashion. This synergy is needed so local people can look at halal fashion products produced by Indonesian designers. Not only importing products from abroad. Because domestic halal fashion products are no less competitive than products found abroad.
Co-Authors Andini, Nova Riza Ayu Darmawan Dedi Gunawan Fahmi, Noor Ali Faisal, Muhammad Fadli Hajarana, Siti Hanafi, Syafiq Mahmadah Iftitah, Insiyatul Lamondo Muhammad Ghafur Wibowo, Muhammad Ghafur Muhsin, An'nissa Miftahusnika Islami Muhsin, An’nissa Miftahusnika Islami Nazmi, Redha Alfin Shabur, Usman Yustika, Baiq Reka