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Handayani, Agustia
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Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education

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Journal : JSEHT

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Diversifikasi Pemasukan Dunia Perbankan Syariah Indonesia : Resiko Dan Kinerja Aprilia, Cindy Ayu; Harris, Allan; Handayani, Agustia
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 3 No 2 (2024): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v3i2.188

Abstract

The aim of this research is to examine the impact of income diversification on the risk and performance of state-owned banks due to structural changes in the banking sector in Indonesia. In Indonesia, there has been a transition from traditional intermediaries (loans financed by deposits) to offering interest-free income. Income diversification has a negative impact on the performance of state-owned banks. These state-owned banks often do not pursue strategies outside their core business, because owners see fluctuations in profits as a threat to their ability to control. Company size and debt ratio are used as control variables. The results of this research show that the larger the company size, the lower the ROA will generally be. This suggests that large banks may have difficulty achieving high ROA due to more complex operations. The higher the ratio of Loans to Total Assets (LTA), usually the ROA is also higher. This may indicate that banks that are more aggressive in distributing credit are relatively more efficient in generating income. 
Peran DPRD Lampung Selatan dalam Menunjang Sustainability Development Goals Pada Objek Wisata Di Lampung Selatan Irawan, Bambang; Handayani, Agustia; Thahir, Andi
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 2 No 1 (2023): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v2i1.68

Abstract

This research was conducted to determine the role of the South Lampung DPRD in supporting Sustainable Development Goals at tourist attractions in South Lampung. This research is classified as a qualitative research type with a case study design. Case studies are carried out for The aim is to investigate how these events occur systematically over a longer period of time. A case study is a type of qualitative research conducted in a specific context, referring to a particular program, activity, event, or group. The general goal of sustainable development or sustainable development goals (SDGs) is development to always improve the economic welfare of the community continuously without interruption, this development continues continuously to maintain the social life of the community, development that continues to maintain the quality of the environment and development in ensuring justice and continue to manage improving the quality of life from one generation to another. The Regional People's Representative Council (DPRD) is an integral part of regional government in the context of a unitary state. This is due to the absence of a special legislative body for the regional level in the unitary state structure. Therefore, the DPRD is integrated into the regional government structure.
Pengaruh Literasi Keuangan Terhadap Minat Pemilihan Produk Perbankan Syariah Di Kalangan Mahasiswa Minando, Haris; Handayani, Agustia; Ekawati, Farida
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 2 No 2 (2023): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v2i2.90

Abstract

The choice of Islamic banking products among students is becoming an increasingly interesting issue in the development of the Islamic banking sector. The younger generation, including students, has a crucial role in shaping the future direction of Islamic banking. An important factor that is believed to influence the decision to choose Islamic banking products by students is the level of financial literacy. This study aims to investigate the effect of financial literacy on the interest in choosing Islamic banking products among university students. The survey method through questionnaires was used on 68 respondents of Islamic banking study program students. The results showed that the thitung value was 25.181 > ttabel 2.000 and it was found that the fhitung value exceeded the ftabel value, which was 634.100 > 3.986, with a significance value of 0.000, which is smaller than the significance value of 0.05. From these results, Islamic financial literacy has a significant influence on the interest in choosing Islamic banking products among students. The coefficient of determination reached 90.4%, indicating a strong influence. Support from religious aspects is also important in the selection of Islamic banking products, by Islamic principles that emphasize fairness and understanding in transactions. This study is consistent with previous findings by Nahla Zamharira et al. (2021), which also shows that Islamic financial literacy has a significant impact on students' decisions to utilize Islamic banking services. In conclusion, the higher the Islamic financial literacy, the more interest in choosing Islamic banking products in college students.
Islamic Social Reporting Disclosure (ISRD) : Analisis Pengaruh Ukuran Perusahaan dan Usia Direksi terhadap Profitabilitas Sebagai Variabel Moderasi pada Perusahaan Teknologi Periode 2019-2022 Zakaria, Ahmad; Sumarno, Ari Pitoyo; Handayani, Agustia
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 4 No 1 (2025): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v4i1.252

Abstract

This study aims to examine the influence of firm size and board of directors' age on ISRD. Islamic Social Reporting (ISR) is a social reporting standard applied to Sharia-compliant companies, including those with Sharia securities. ISRD is not only intended for stakeholders but, most importantly, for Allah SWT, customers, employees, and the environment, as a form of social responsibility. This study was conducted on technology companies listed in the Sharia Securities List (DES) for the 2019-2022 period, with a total population of 38 companies. The research sample was selected using purposive sampling, resulting in 19 companies that met the criteria. Given the five-year research period, the total number of observational samples used in this study is 120. Data analysis was performed using EVIEWS software for hypothesis testing and Moderated Regression Analysis (MRA). The results indicate that firm size does not affect ISRD, whereas the board of directors' age has a positive influence on ISRD. Additionally, profitability is proven to strengthen the impact of firm size and board of directors' age on ISRD.
Analisis Pengaruh Pendapatan Ijaroh Muntahiyyah Bit Tamlik dan Murabahah Terhadap Tingkat Profitabilitas Pada PT Bank Syariah Indonesia Periode 2021-2023 Efendi, Agus; Ahoen, Bahori; Handayani, Agustia
Jurnal Ekonomi Syariah dan Pariwisata Halal Vol 3 No 1 (2024): Journal of Syariah Economic and Halal Tourism (JSEHT)
Publisher : Sekolah Tinggi Ilmu Ekonomi Syariah (STIES) ALIFA

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70371/jseht.v3i1.175

Abstract

This research aims to determine the effect of IMBT and Murabahah on the level of profitability of Islamic banks. Sharia Commercial Bank is a sharia bank which in its activities provides services in payment traffic. In Islamic banks there are several contracts used in transactions, namely: Mudharabah, Murabahah, Salam, Istisna, Ijaroh, Wadiah and so on. One of the things done in the banking business is to gain profit/profitability. Profitability is the bank's ability to obtain profits, one of the basic tools is using ROA (Return On Assets). This research is quantitative descriptive research, based on secondary data taken from PT Bank Syariah Indonesia publication reports for 2021-2023, then data analysis techniques were processed using the SPSS application by carrying out classic assumption tests and multiple regression tests. The research results show that IMBT does not have a significant influence on profitability, whereas on the other hand, murabahah has a significant influence on the level of profitability of Bank Syariah Indonesia in 2021-2023.
Co-Authors Agus Efendi Ahmad Zakaria Ahoen, Bahori Andi Thahir Aprilia, Cindy Ayu Astuti, Sri Yuli Destiana edy susanto Ekawati, Farida Handori Harris, Allan Ida wati Minando, Haris RR. Ella Evrita Hestiandari Sumarno, Ari Pitoyo Wimbawani, Wiwik