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All Journal JURNAL EKONOMI DAN BISNIS AIRLANGGA Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 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 Andini, Nova Riza Ayu; Amal, Muhammad Ahsanul
Li Falah: Jurnal Studi Ekonomi dan Bisnis Islam 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 find out whether the conflict between Palestine and Israel caused the emergence of the issue of boycotting one of the multinational companies that support one of the countries in conflict. This research is quantitative using the method of event studies with a period of 14 working days, seven days before and seven days after the boycott issue. This study used descriptive statistical test analysis, shapiro-wilk normality test, and hypothesis test. The results showed that there was a significant difference in share prices and abnormal returns before and after the issue of boycotting Unilever products. However, regarding trading volume activity there was no difference before and after the issue of boycotting Unilever products during the Israeli and Palestinian conflict
Co-Authors Andini, Nova Riza Ayu Darmawan Dedi Gunawan Fahmi, Noor Ali Faisal, Muhammad Fadli Hajarana, Siti Hanafi, Syafiq Mahmadah Lamondo Muhsin, An'nissa Miftahusnika Islami Shabur, Usman Yustika, Baiq Reka