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All Journal Cakrawala Repositori Imwi Jurnal Impresi Indonesia Jurnal Locus Penelitian dan Pengabdian
Umar, Manir
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Religion Aerospace Engineering Automotive Engineering Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Law, Crime, Criminology & Criminal Justice Mathematics Social Sciences

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Comparative Performance Analysis of Conventional and Islamic Banks in Nigeria Using Camel Rating Model Umar, Manir; sayudin, sayudin
Jurnal Locus Penelitian dan Pengabdian Vol. 3 No. 3 (2024): jurnal locus penelitian dan pengabdian
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/locus.v3i3.2497

Abstract

This study examines financial performance of Conventional and Islamic banking in Nigeria using CAMEL rating model covering the period of 2012-2022. Secondary sources of data were collected from the bank’s financial statements. The study adopted an ex-post facto research design and purposive sampling technique to select the sampled banks for the study. Two banks Jaiz Bank Plc and Unity Bank Plc (both from Conventional and Islamic banks) were drowned to serve as the study sample. Descriptive and inferential statistics was used as tool of analysis to show the trends of performance (CAMEL) between the two banks using mean, minimum, maximum and standard deviation and also to check the relationship between the variables. Further, in inferential statistics, t-test was used to compare and test the significant variation between CAMEL components of the banks. The results showed the existence of low and negative trends in the quality of earnings of both banks. It also showed trends of performance between the two banks are significantly affected by all the CAMEL components. Moreover, results from t-tests showed a significant variation of three CAMEL components and the acceptance of alternative hypothesis. The study recommended the management of both bank should put more effort to mitigate the negative return volatility of the banks. Both bank need to have strong liquid-based or near liquid e.g., short-term securities (government bonds). A lot more effort needs to be made to create value-based products.
ISLAMIC ECONOMIC TRANSFORMATION IN THE DIGITAL ERA: A REVIEW OF THE ROLE OF FINTECH atikah, nila; Widya Astuti , Aurelia; Sayudin, Sayudin; Khan, Aisha; Hussain, Syed Araick; Umar, Manir
Jurnal Impresi Indonesia Vol. 2 No. 12 (2023): Jurnal Impresi Indonesia
Publisher : Riviera Publishing

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.58344/jii.v2i12.4654

Abstract

This research examines the transformation of the sharia economy in the digital era with a focus on the role of Financial Technology (Fintech). Advances in information and communication technology have had a significant impact on the structure of the global economy, including Islamic financial practices. Fintech as a digital financial innovation has the potential to accelerate the growth of the sharia financial sector. This research uses a qualitative approach to analyze Fintech developments in the context of Islamic economics. Data collection was carried out through literature studies and interviews with financial practitioners and Islamic economics experts. It is hoped that the results of this research will provide an in-depth understanding of the impact of Fintech on the sharia financial ecosystem and how this innovation can strengthen sharia economic principles. In the digital era, the transformation of the sharia economy through fintech has brought significant changes, opening up financial access for Muslim communities who were previously marginalized in the conventional financial system.
Dampak Sistem Pembayaran Digital terhadap Perolehan Pendapatan Federal Inland Revenue Service di Nigeria umar, Manir; Astuti, Aurelia Widya
Cakrawala Repositori IMWI Vol. 8 No. 4 (2025): Cakrawala Repository IMWI
Publisher : Institut Manajemen Wiyata Indonesia & Asosiasi Peneliti Manajemen Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52851/cakrawala.v8i4.819

Abstract

Tujuan penelitian ini adalah untuk menganalisis dampak sistem pembayaran digital terhadap perolehan pendapatan Federal Inland Revenue Service (FIRS) di Nigeria. Studi ini memanfaatkan kumpulan data triwulanan yang mencakup periode dari kuartal pertama tahun 2009 hingga kuartal terakhir tahun 2024. Menggunakan teknik Autoregressive Distributed Lag (ARDL) untuk analisis data, temuan menunjukkan bahwa Transfer Remita (RMTA) dan National Electronic Funds (NEFT) tidak secara signifikan memengaruhi pendapatan FIRS selama periode dianalisis. Hal ini menunjukkan bahwa platform ini mungkin tidak digunakan secara efektif untuk transaksi terkait pajak atau tidak memiliki volume transaksi yang cukup untuk memengaruhi pendapatan secara keseluruhan. Sebaliknya, hasilnya menunjukkan bahwa Web Pay memiliki dampak positif yang signifikan pada perolehan pendapatan, menunjukkan bahwa transaksi yang diproses melalui platform ini kemungkinan terkait dengan kegiatan kena pajak, sehingga meningkatkan pengumpulan pendapatan. Keberhasilan Web Pay dapat dikaitkan dengan antarmuka dan keandalannya yang ramah pengguna, yang mendorong peningkatan keterlibatan wajib pajak dalam transaksi digital. Namun, studi ini juga menemukan bahwa Mobile Pay memiliki dampak negatif yang signifikan pada perolehan pendapatan FIRS, berpotensi karena tingkat adopsi yang lebih rendah untuk transaksi terkait pajak atau tantangan dalam pelacakan dan pelaporan. Berdasarkan temuan tersebut, disarankan agar FIRS memprioritaskan Web Pay, mempromosikan adopsinya melalui kampanye yang ditargetkan, dan menyelidiki keterbatasan Remita dan Transfer Dana Elektronik Nasional. Selain itu, penilaian komprehensif Mobile Pay diperlukan untuk mengidentifikasi dan mengatasi hambatan, yang bertujuan untuk mengubahnya menjadi alat penghasil pendapatan yang lebih efektif untuk FIRS.
Co-Authors Astuti, Aurelia Widya Atikah, Nila Hussain, Syed Araick khan, Aisha Sayudin, Sayudin Widya Astuti , Aurelia