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FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN
Published by Universitas Muhammadiyah Metro
ISSN : 26212439     EISSN : 26212447     DOI : -
Core Subject : Economy,
Economics, Econometrics & Finance
Fidusia adalah jurnal yang bertujuan untuk mempublikasikan artikel, hasil penelitian yang berkaitan dengan tema keuangan dan perbankan.
Arjuna Subject : -
Articles 7 Documents
 1 
Search results for , issue "Vol 4, No 1 (2021): APRIL" : 7 Documents clear
OPTIMALISASI PELAYANAN NASABAH BERDASARKANQUEUEING SYSTEM (Studi Pada Bank Syariah Mandiri KC Bandar Lampung dan Bank Rakyat Indonesia KC Bandar Lampung) Muhammad kurniawan
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.596

Abstract

Penelitian ini bertujuan untuk melihat apakah metode antrian yang dilakukan oleh Bank Syariah Mandiri KC Bandar Lampung dan Bank Rakyat Indonesia KC Bandar Lampung KC Bandar Lampung telah optimal untuk diterapkan yaitu menggunakan metode Multi Channel-Single Phase. Populasi dalam penelitian ini adalah nasabah yang melakukan transaksi di Bank Syariah Mandiri KC Bandar Lampung dan Bank Rakyat Indonesia KC Bandar Lampung KC Bandar Lampung dan peneliti mengambil data dari wawancara pada teller di masing-masing bank. Teknik analisis data yang digunakan adalah penghitungan manual dengan rumus statistik distribusi poisson pada metode Multi Channel-Single Phase. Hasil analisis menunjukkan bahwa Bank Syariah Mandiri KC Bandar Lampung memiliki kedatangan nasabah yang lebih rendah daripada Bank Rakyat Indonesia KC Bandar Lampung. Bank Syariah Mandiri KC Bandar Lampung juga lebih lama memberikan pelayanan pada nasabah daripada Bank Rakyat Indonesia KC Bandar Lampung.
THE IMPACT OF SYNERGY BETWEEN ICB AND ISLAMIC FINTECH LENDING ON THE ICB’S FINANCIAL PERFORMANCES Muhammad Anif Afandi; Slamet Tedy Siswoyo
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.584

Abstract

The synergy between Islamic financial institutions is one key in the development of Islamic economics as stated in the Masterplan for Islamic Economics of Indonesia 2019 - 2024. In 2018, three Islamic Commercial Banks (ICB), namely Bank Mega Syariah (BMS), Bank BNI Syariah (BNIS) and Bank Syariah Mandiri (BSM) conducting synergy with Islamic FinTech lending in the form of shadow investors. Through this study carried out analysis of the impact of synergy between ICB and Islamic FinTech lending on the ICB’s financial performances as one reflection of the success of the synergy and economic indicators that reflect the responsibility of the ICB to the regulator. Wilcoxon signed-ranks test is used as a data analysis technique with the results of study showing that sequentially the synergy most profitable for the BSM because of the positive impact on financial performances, especially in the aspect of capital, profitability, efficiency and asset quality. While, for BNIS known synergy has a positive impact on financial performances, especially in the aspect of capital, liquidity and efficiency. Meanwhile, for BMS is known that the synergy only has a positive impact on financial performances, especially in the aspect of asset quality. The results of this study are beneficial for the ICB, Islamic FinTech lending as well as the regulator as material to the evaluation or formulation of policy regarding synergy between ICB and Islamic FinTech lending in Indonesia.
FINANCIAL AND NON-FINANCIAL FACTORS AFFECTING THE RATING OF SUKUK: PANEL DATA ANALYSIS ON SHARIA BANKING COMPANIES REGISTERED ON THE INDONESIA STOCK EXCHANGE Gustika Nurmalia
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.592

Abstract

 AbstrakPasar modal memainkan peranan yang penting dalam dunia perekonomian. Instrument investasi yang berkembang di pasar modal tidak hanya instrument investasi konvensional saja, namun ada juga instrument yang berdasarkan pada prinsip syariah, salah satunya sukuk. Salah satu hal yang mendukung pesatnya perkembangan sukuk adalah rating. Rating atau peringkat sukuk menjadi pertimbangan penting sebagai sumber informasi dan signal mengenai kemungkinan kegagalan hutang dan resiko yang ditanggung oleh perusahaan yang menjadi emiten. Beberapa faktor keuangan yang diproksikan dalam Size (Ukuran Perusahaan) dan rasio keuangan yaitu Leverage. Dan faktor non keuangan yaitu Audit Tenure merupakan aspek-aspek  yang dapat menjadi fakto acuan bagi investor dalam berinvestasi. Penelitian ini merupakan penelitian kuantitatif, dengan objek penelitian perusahaan perbankan syariah yang menerbitkan sukuk dan terdaftar di BEI serta terdaftar dalam peringkat sukuk yang dikeluarkan oleh PT. PEFINDO sebagai penyedia data sekunder berupa nama-nama perbankan syariah yang masuk dalam peringkat sukuk dan laporan keuangan perusahaan sektor perbankan syariah periode 2015 – 2019. Teknik analisis data yang digunakan yaitu regresi panel data dengan melakukan pemilihan teknik estimasi berupa chow test dan hausman test. Hasil penelitian menunjukan bahwa variabel Size tidak berpengaruh signifikan terhadap peringkat sukuk pada perusahaan perbankan syariah, maka seberapapun besarnya total asset suatu perusahaan tidak akan mempengaruhi prediksi peringkat sukuk. Kemudian variabel Leverage  berpengaruh positif dan signifikan terhadap peringkat sukuk pada perusahaan perbankan syariah, kenaikan rasio leverage akan berpengaruh terhadap peringkat sukuk. Hal ini disebabkan dengan tingginya penggunaan utang mengakibatkan tingginya risiko kebangkrutan dan kegagalan perusahaan. Variabel selanjutnya adalah Audit Tenure tidak berpengaruh signifikan terhadap peringkat sukuk perusahaan perbankan syariah,  jangka waktu penugasan audit tidak memiliki pengaruh terhadap peringkat sukuk perusahaan. Berdasarkan uji determinasi R square bahwa variabel Size, Leverage dan Audit Tenure mempengaruhi peringkat sukuk sebesar 69.7% sedangkan sisanya 30.3% dipengaruhi oleh faktor lain yang tidak dimaksud dalam penelitian ini.
ANALISIS LAJU PERTUMBUHAN, EFEKTIVITAS, KONTRIBUSI PAJAK HOTEL DAN PAJAK RESTORAN DALAM PENINGKATAN PENDAPATAN ASLI DAERAH (PAD) DI KOTA METRO Elli Fitriyani; Nedi Hendri; Karnila Ali
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.599

Abstract

 The Indonesian government enforces a regional autonomy policy with the aim of making it easier for local governments to regulate their regional affairs independently. Metro City is one of the regions that implements its regional policy. One of the biggest potentials that Metro City has in financing regional expenditures comes from local taxes which are expected to be able to provide the largest contribution to Regional Original Revenue.This study aims to determine the rate of growth, the level of effectiveness of hotel and restaurant taxes and their contribution to local revenue in Metro City. This research uses a descriptive qualitative approach. Data obtained by conducting interviews, literature review and documentation. The data analysis technique uses growth rate analysis, effectiveness analysis, and contribution analysis. Based on the research results, the average hotel tax growth rate from 2016-2020 is said to be unsuccessful, while for restaurant tax it is said to be less successful. The average hotel and restaurant tax effectiveness in 2016-2020 with very effective criteria, and for the average level of hotel and restaurant tax contribution to PAD from 2016-2020 with very less contributing criteria.Keywords: Hotel Tax, Restaurant Tax, Regional Original Revenue. 
Comparative Analysis of Potential Halal Product Exports of Indonesia in ASEAN + 3 Countries Indanazulfa Qurrota A'yun
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.600

Abstract

This study aims to examine the comparison of potential halal product exports in several ASEAN countries and several Islamic countries outside ASEAN. Commodities used in this study consisted of meat, coffee, dairy products, sugar, cereals and fruits. To support the purpose of this study, the data used were sourced from the UN Comtrade with a research period from 2009 to 2019. The countries sampled in this study consisted of Indonesia, Thailand, Singapore, the Philippines, Brunei Darussalam, Malaysia, Turkey, Saudi Arabia, and India. This study found that Indonesia has an advantage in terms of coffee commodity. This can be seen from the RCA value of 4.29. Meanwhile, for the commodities of fruits and nuts, Indonesia had the smallest specialization index value, namely 0.95. Indonesia's strongest competitors in ASEAN are Malaysia and Thailand for commodity sugar products and dairy products. However, when analyzed by including India, Turkey and Saudi Arabia, it shows that India is the strongest competitor and controls market share. Furthermore, when compared to ASEAN countries, Indonesia's commodity exports still dominate the market share compared to the Philippines and Brunei Darussalam. It can be concluded that Indonesia's export products still have the ability to compete and have a high market share in ASEAN +3. If Indonesia intensively provides the halal label, this will not only increase exports but also to meet the needs of Indonesian citizens who are predominantly Muslim.
RISIKO DAN PENGEMBALIAN HASIL PADA INVESTASI DEPOSITO MUDHARABAH BANK SYARIAH Nur Wahyu Ningsih; Karnila Ali
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.589

Abstract

The research objective is to determine the risk of mudharabah deposit investment in Islamic banking measured by the VaR approach and to determine the rate of return on bank investment using mudharabah bank deposit funds measured by the RAROC approach. This type of research is a quantitative study and uses the VaR and RAROC measurement techniques. It is indicated that long-term investment using mudharabah deposits is more risky than short-term investments, this is indicated by the level of change in monthly returns that fluctuates significantly. But customers prefer long-term investments in mudharabah deposits marked by the amount of 12-month deposit funds that reach 35.63% of the total mudharabah deposit funds managed by the bank. This indicates that the customer chooses a long-term risk in order to get the maximum benefit. Risk Adjusted Return On Capital (RAROC) analysis describes the level of income earned by Islamic banks that has been adjusted to the risks that will occur, this shows that the income earned by the bank has not been able to cover the possible potential losses that will occur. The RAROC result shows the following figures for each year 20, -19, -4. The RAR value shows a positive overall number, which indicates that the bank is considered capable of controlling risks that can erode bank capital.
PARTISIPASI PENYUSUNAN ANGGARAN DAN MOTIVASI KERJA TERHADAP KINERJA MANAJERIAL BANK SYARIAH Rosydalina Putri
FIDUSIA : JURNAL KEUANGAN DAN PERBANKAN Vol 4, No 1 (2021): APRIL
Publisher : UNIVERSITAS MUHAMMADIYAH METRO

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24127/jf.v4i1.593

Abstract

This study intends to obtain empirical evidence of the effect of budgeting participation and work motivation on managerial performance. The study was implemented in all Islamic Commercial Banks in Bandar Lampung in 2020. Data was collected by questionnaire sent to the leaders and employees that are directly related to expenditures and the determination of operational costs at Islamic Commercial Banks in Bandar Lampung. Of the 68 questionnaires distributed, there were 46 questionnaires that were returned or received with a 67,64% response rate. The data obtained were processed using The 3th version SmartPLS software with test results on the parameter coefficient between participation in budgeting and managerial performance. There was a positive effect with a t-statistic value of 3.981 and significant at 0.05. The second test result on the parameter coefficient between work motivation and managerial performance has a positive effect with a t-statistic value of 22.051 with a significant level of 0.05. The conclusion from this study states that budgetary participation and motivation to work together have an influence in determining managerial performance in Islamic banking in Bandar Lampung.

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