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All Journal Jurnal Ilmiah Ekonomika Journal of Artificial Intelligence and Digital Business Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Jurnal Ilmiah Ekonomika (JIE)
Syahrani, Sefiza
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Religion Humanities Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering Social Sciences

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ANALISIS KUALITATIF TERHADAP PENGARUH TRANSAKSI DIGITAL BANKING TERHADAP FEE BASED INCOME DI SEKTOR PERBANKAN Syahrani, Sefiza; Fasa, Muhammad Iqbal
Ekonomika Vol 17 No 2 (2024): Jurnal Ilmiah Ekonomika
Publisher : Fakultas Ekonomi dan Bisnis Universitas Baturaja

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

Abstract

This research aims to analyze the influence of digital banking transactions on fee based income in the banking sector. In the era of digital transformation, banks face the challenge of adapting to technological innovations that can increase fee-based income. The method used in this research is a qualitative approach with data collection techniques through in-depth interviews and observations at several banks that implement digital banking services. The research results show that digital banking transactions significantly contribute to increasing fee-based income, with factors such as the number of transactions and customer satisfaction being the main keys. The prospects of this research show that further development in digital banking services can increase bank competitiveness and provide added value for customers.
PENGARUH TRANSAKSI DIGITAL BANKING TERHADAP FEE BASED INCOME DI SEKTOR PERBANKAN Syahrani, Sefiza; Fasa, Muhammad Iqbal
Jurnal Ilmiah Ekonomi, Manajemen dan Syariah Vol. 3 No. 3 (2024): JIEMAS: Jurnal Ilmiah Ekonomi, Manajemen dan Syariah
Publisher : STAI Darul Qalam Tangerang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.55883/jiemas.v3i3.89

Abstract

This study aims to analyze the influence of digital banking transactions on fee-based income in the banking sector. In the era of digital transformation, banks face the challenge of adapting to technological innovations that can increase cost-based revenue. The method used in this study is a qualitative approach with data collection techniques through in-depth interviews and observations at several banks that implement digital banking services. The results show that digital banking transactions significantly contribute to the increase in fee-based income, with factors such as the number of transactions and customer satisfaction being the main keys. The prospects of this study show that further development in digital banking services can increase the competitiveness of banks and provide added value for customers.
Pengaruh Transaksi Digital terhadap Fee Based Income pada Bank Umum Syariah di Indonesia Syahrani, Sefiza; Fitri, Anggun Okta
Inflasi : Jurnal Ekonomi, Manajemen dan Perbankan Vol. 2 No. 1 (2025): Inflasi - Mei
Publisher : PT. Faaslib Serambi Media

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.66341/inflasi.v2i1.156

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh transaksi digital terhadap fee based income pada sektor perbankan syariah di Indonesia, dengan fokus pada Bank Umum Syariah. Latar belakang penelitian ini didasarkan pada perubahan signifikan dalam perilaku nasabah serta transformasi digital yang terus berkembang di industri keuangan. Dalam konteks bank syariah, transaksi digital menjadi salah satu sumber utama pendapatan non-bunga yang sesuai dengan prinsip syariah. Penelitian ini menggunakan pendekatan kuantitatif dengan metode studi kasus pada Bank Syariah Indonesia (BSI) sebagai salah satu entitas terbesar dalam industri ini. Data yang digunakan berupa data sekunder dari laporan keuangan tahunan dan data primer melalui survei terhadap nasabah. Teknik analisis yang digunakan adalah regresi linier berganda untuk mengetahui pengaruh variabel transaksi digital terhadap fee based income. Hasil penelitian menunjukkan bahwa transaksi digital memiliki pengaruh positif dan signifikan terhadap peningkatan fee based income. Layanan seperti mobile banking, internet banking, dan QRIS Syariah terbukti memberikan kontribusi signifikan terhadap pendapatan berbasis biaya. Temuan ini menegaskan pentingnya investasi dalam teknologi digital dan inovasi layanan untuk mendukung keberlanjutan pendapatan bank syariah di era digital.
Pengaruh Intellectual Capital Dan Profit Sharing Ratio Terhadap Return On Asset Sari, Nora Helda; Syahrani, Sefiza; Saputra, Rendi Feprian
RIGGS: Journal of Artificial Intelligence and Digital Business Vol. 4 No. 2 (2025): Mei - Juli
Publisher : Prodi Bisnis Digital Universitas Pahlawan Tuanku Tambusai

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31004/riggs.v4i2.542

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh Intellectual Capital (IC) dan Profit Sharing Ratio (PSR) terhadap Return on Asset (ROA) pada Bank Umum Syariah di Indonesia. IC diukur menggunakan model VAIC (Value Added Intellectual Coefficient), sedangkan PSR merupakan proporsi pembiayaan berbasis akad bagi hasil (mudharabah dan musyarakah) terhadap total pembiayaan. Data yang digunakan merupakan data sekunder yang diperoleh dari laporan keuangan triwulanan 12 Bank Umum Syariah selama periode 2018–2020. Metode analisis yang digunakan adalah regresi data panel dengan pendekatan Random Effect Model (REM). Hasil penelitian menunjukkan bahwa Intellectual Capital berpengaruh positif signifikan terhadap ROA, sedangkan Profit Sharing Ratio tidak berpengaruh signifikan. Namun secara simultan, keduanya berpengaruh terhadap ROA. Hasil ini menunjukkan bahwa manajemen aset intelektual yang baik sangat berperan dalam peningkatan profitabilitas bank syariah.
ANALISIS KUALITATIF TERHADAP PENGARUH TRANSAKSI DIGITAL BANKING TERHADAP FEE BASED INCOME DI SEKTOR PERBANKAN Syahrani, Sefiza; Fasa, Muhammad Iqbal
Ekonomika Vol. 17 No. 2 (2024): Jurnal Ilmiah Ekonomika
Publisher : Fakultas Ekonomi dan Bisnis Universitas Baturaja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54895/nevxe432

Abstract

This research aims to analyze the influence of digital banking transactions on fee based income in the banking sector. In the era of digital transformation, banks face the challenge of adapting to technological innovations that can increase fee-based income. The method used in this research is a qualitative approach with data collection techniques through in-depth interviews and observations at several banks that implement digital banking services. The research results show that digital banking transactions significantly contribute to increasing fee-based income, with factors such as the number of transactions and customer satisfaction being the main keys. The prospects of this research show that further development in digital banking services can increase bank competitiveness and provide added value for customers.
ANALISIS KUALITATIF TERHADAP PENGARUH TRANSAKSI DIGITAL BANKING TERHADAP FEE BASED INCOME DI SEKTOR PERBANKAN Syahrani, Sefiza; Fasa, Muhammad Iqbal
Ekonomika Vol. 17 No. 2 (2024): Jurnal Ilmiah Ekonomika
Publisher : Fakultas Ekonomi dan Bisnis Universitas Baturaja

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.54895/nevxe432

Abstract

This research aims to analyze the influence of digital banking transactions on fee based income in the banking sector. In the era of digital transformation, banks face the challenge of adapting to technological innovations that can increase fee-based income. The method used in this research is a qualitative approach with data collection techniques through in-depth interviews and observations at several banks that implement digital banking services. The research results show that digital banking transactions significantly contribute to increasing fee-based income, with factors such as the number of transactions and customer satisfaction being the main keys. The prospects of this research show that further development in digital banking services can increase bank competitiveness and provide added value for customers.
Co-Authors Fitri, Anggun Okta Muhammad Iqbal Fasa Saputra, Rendi Feprian Sari, Nora Helda