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All Journal Journal of Artificial Intelligence and Digital Business Jurnal Akuntansi Syariah
Putri, Asri Oktama
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Computer Science & IT Economics, Econometrics & Finance Electrical & Electronics Engineering Engineering

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IMPLEMENTASI PELAYANAN E-BANKING DI ERA DIGITAL PADA BANK SYARIAH INDONESIA Putri, Asri Oktama; Fasa, Muhammad Iqbal
Jaksya: Jurnal Akuntansi Syariah Vol 3, No 1 (2025): Jaksya : Jurnal Akuntansi Syariah
Publisher : UIN Syekh Ali Hasan Ahmad Addary Padangsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/jaksya.v3i1.13136

Abstract

Technological advances in various fields, including banking, require banks to implement electronic banking products or what is called E-Banking in order to serve their customers better. E-Banking is a banking service for obtaining information, communicating and processing banking transactions via the Internet. It is also always available, so if there is a problem there is no doubt that the customer can immediately contact their local bank, who will usually immediately confirm the service, which more or less takes up to 3 days, not even days. This research uses descriptive methods. The data collection method in this research uses document analysis, namely a qualitative descriptive method, and the writing method uses an inductive method which is descriptive and qualitative analysis. Data sources consist of secondary data. The research findings conclude that the implementation of E-Banking Services in Indonesian sharia banks includes many features that make it easier for customers to check balances, transfer money between banks or different banks, make payments, make purchases, schedule transactions, send emails, open accounts, share Ziswaf and others. refill wallet. There are several policies listed in Bank Syariah Indonesia to make customer transactions easier. This is mutually beneficial for customers and bank.Keywords: Service, E-Banking
Pengaruh Efisiensi Oprasional Dan Struktur Modal Terhadap On Asset (Roa) Pada Bank Umum Syariah Ananta, Anizia Tantri; Putri, Asri Oktama; Tika, Devi Yulian
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.v4i2.589

Abstract

Penelitian ini bertujuan untuk menganalisis pengaruh efisiensi operasional dan struktur modal terhadap profitabilitas yang diukur dengan Return on Asset (ROA) pada Bank Umum Syariah di Indonesia selama periode 2019–2024. Efisiensi operasional diukur dengan rasio Biaya Operasional terhadap Pendapatan Operasional (BOPO), sedangkan struktur modal diukur melalui rasio Debt to Equity Ratio (DER). Penelitian ini menggunakan pendekatan kuantitatif dengan data sekunder yang diperoleh dari laporan keuangan tahunan Bank Umum Syariah yang dipublikasikan oleh Otoritas Jasa Keuangan (OJK). Metode analisis yang digunakan adalah regresi linier berganda dengan bantuan perangkat lunak statistik. Hasil penelitian menunjukkan bahwa efisiensi operasional berpengaruh negatif signifikan terhadap ROA, sedangkan struktur modal tidak memiliki pengaruh signifikan terhadap ROA. Temuan ini mengindikasikan bahwa tingkat efisiensi operasional memainkan peran penting dalam meningkatkan profitabilitas bank syariah, sementara struktur modal tidak secara langsung memengaruhi kinerja keuangan dalam konteks ROA. Penelitian ini memberikan implikasi bagi manajemen bank syariah untuk lebih fokus pada peningkatan efisiensi operasional guna meningkatkan profitabilitas.
Co-Authors Ananta, Anizia Tantri Muhammad Iqbal Fasa Tika, Devi Yulian