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This Author published in this journals
All Journal Journal of Islamic Studies and Education Academica: Journal of Multidisciplinary Studies
Sucik Lestari
Universitas Islam Negeri Raden Mas Said Surakarta
Religion Humanities Economics, Econometrics & Finance Education Social Sciences Other

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Analisis Kinerja Keuangan Bank Syariah Indonesia (BSI) Dengan Metode Sharia Conformity And Profitability (SCnP) Nanda Zukhrufi Prabowo; Sucik Lestari; Salwa Yuliana Chumaeroh; Elza Nova Fajria; Vira Fitriawati
Academica: Journal of Multidisciplinary Studies Vol. 8 No. 1 (2024): January-June2024
Publisher : Universitas Islam Negeri Raden Mas Said Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22515/academica.v8i1.10483

Abstract

This study employs a qualitative approach with an analysis of the financial statements of Bank Syariah Indonesia (BSI) for the period 2018-2022, obtained from BSI's official website. The method used is the Sharia Conformity and Profitability (SCnP) Model to classify the bank's performance into four quadrants based on sharia compliance and profitability. The analysis process involves calculating ratios such as sharia investment, sharia income, profit sharing, return on assets (ROA), return on equity (ROE), and profit margin. The results show that before the merger, the performance of state-owned sharia banks (BRIS, BNIS, BSM) displayed high ratios of sharia investment and profit sharing. However, after the merger, there was a significant increase in the ratios of ROA, ROE, and profit margin. According to the SCnP graph, all three state-owned sharia banks, both before and after the merger, were in the Lower Right Quadrant (LRQ), indicating high sharia compliance but low profitability. This result suggests that although sharia compliance has been met, profitability still needs to be improved.
User Experience Analysis of Mobile Banking Applications in Indonesia Using Usability Testing and the User Experience Questionnaire (UEQ): A Case Study of Bank Syariah Indonesia Cherina Pancha Resyita; Najma Nur Maulida; Sucik Lestari
Journal of Islamic Studies and Education Vol. 2 No. 2 (2024)
Publisher : Presscience

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.63120/jise.v3i1.37

Abstract

This study aims to explore user experiences in utilizing mobile banking applications in Indonesia through usability testing and the User Experience Questionnaire (UEQ). The rapid growth of mobile banking technology necessitates a focused approach to understanding user experiences to ensure applications are both efficient and satisfying to use. Usability testing is employed to evaluate how well mobile banking applications meet user needs and expectations. Users perform a series of tasks designed to cover the core features of the application, while researchers observe and record responses, difficulties, and the time required to complete each task. The results of the usability testing provide detailed insights into specific issues encountered by users when interacting with mobile banking applications. These findings offer an in-depth perspective on the strengths and weaknesses of existing mobile banking applications in Indonesia. This information can guide application developers in implementing necessary improvements and enhancements, ensuring that users have a more satisfying and efficient experience when using mobile banking services. Furthermore, this study contributes to raising awareness and understanding of user-centered development practices in mobile banking application design in Indonesia.
Co-Authors Cherina Pancha Resyita Elza Nova Fajria Najma Nur Maulida Nanda Zukhrufi Prabowo Salwa Yuliana Chumaeroh Vira Fitriawati