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Dwi Surya Atmaja
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Jl. Letnan Jenderal Soeprapto No. 19, Benua Melayu Darat, Kec. Pontianak Selatan, Kota Pontianak, Kalimantan Barat 78122.
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INDONESIA
Jurnal Keuangan dan Perbankan Syariah
Published by Institut Agama Islam Negeri Pontianak
ISSN : 27454470     EISSN : 27456315     DOI : https://doi.org/10.24260/jkubs
Core Subject : Economy, Social,
Economics, Econometrics & Finance Social Sciences
Journal Keuangan dan Perbankan Syariah (JKUBS) merupakan jurnal open access sebagai tempat bagi para akademisi, peneliti, praktisi, regulator dan masyarakat baik nasional maupun internasional untuk mempublikasikan makalah ilmiah. Hasil penelitian tersebut terkait pada bidang keuangan dan perbankan syariah. Ruang Lingkup Jurnal ini berfokus pada studi ekonomi, keuangan dan perbankan syariah baik secara nasional maupun internasional. Bidang kajian pada jurnal ini meliputi ekonomi islam (mikro dan makro), bisnis islam, muamalah/hukum ekonomi syariah, akuntansi keuangan dan akuntansi syariah, keuangan lembaga bank maupun non bank, pasar modal serta manajemen keuangan.
Arjuna Subject : Ilmu Ekonomi, Ekonometrika dan Keuangan (semua kategori) - Keuangan
Articles 43 Documents
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PENGARUH GAYA HIDUP SEHAT, GAYA KEPEMIMPINAN, DAN TIME BUDGET PRESSURE TERHADAP KINERJA AUDITOR PEMERINTAH Rahmadhanty, Dwi Riski; Farah, Wilda
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.94

Abstract

Introduction/ Purpose: This study aims to examine the influence of healthy lifestyle, leadership style, and time budget pressure on the performance of government auditors. Research Methods: This study uses primary data by distributing questionnaires to government auditors at 8 government institutions in Bangka Belitung Province. Sampling was done using convenience sampling method. The number of employees who became the sample in this study was 134 employees. The analytical method used to test the hypothesis is the multiple regression analysis using IBM SPSS Statistics 25. Results: The results showed that healthy lifestyle, leadership style, and time budget pressure has a significant effect on the performance of government auditors.
PENGARUH KUALITAS PELAYANAN TERHADAP KEPUASAAN PELANGGAN PADA THE LUXTON HOTEL BANDUNG Sesunan, Yunia Silvia
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.98

Abstract

Service excellent is a key determinant factor to assess whether the services are in accordance with the customer expectation. The Luxton Hotel Bandung required to fulfill the criteria of customer’s decision to become the first chosen by customer. The factors as follows ; tangible, reliability, responsiveness, assurance and empathy . The objectives of this study is to examine the level of customer’s satisfaction towards the services by The Luxton Hotel Bandung. This research conducted by 100 respondent which stay overnight in The Luxton Hotel Bandung. Based on the result used multiple regression shows that Tangibles (X1), Reliability (X2), Responsiveness (X3), Assurance (X4) and Empathy (X5) significant simultaneously to consumer’s satisfaction. The independent variables affect the customer’s decision to stay at the hotel shown by the coefficient of determination R2 = 0,653 or 65,30% independent variables affect to customer’s decision to stay at The Luxton Hotel Bandung and the remaining 34,70% affect by other factors.
STRATEGI BAURAN PRODUK IKONIK UMKM ALOEVERA DI KOTA PONTIANAK Nurcholifah, Ita
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.99

Abstract

One of the areas and cities that have natural resources is the city of Pontianak. These natural resources are in the form of aloe vera (Aloe vera). Aloe vera is a plant that is easy to grow on peatlands in the city of Pontianak and has high benefits and economic value. So that this plant can be used as various types of food and beverage processing. The development of MSMEs in Pontianak City, of course, must be supported by an effort to keep the business running and progress in business, especially in terms of income, so that gradually the UMKM can "upgrade" to become a large and developing business so that it can support the very foundation of the national economy awaited by the Indonesian government. Therefore, this study aims to determine the iconic product strategy in the product width line, product length line, product depth line and MSME product consistency lines. This research uses a descriptive qualitative approach.The four dimensions of the product mix help the company in defining the company's product strategy, where the company can expand its business in four ways, the company can add to its product lines, namely: expanding its product mix, the company can extend each product line, the company can add product variations and deepen the mix. By implementing a product mix strategy with a four-dimensional approach, it is hoped that Aloevera MSMEs can develop more on an international or global scale. With the creation of more varied products based on the needs and desires of consumers.
ANALISIS KINERJA BANK UMUM SYARIAH DENGAN MENGGUNAKAN PENDEKATAN CAMEL DAN PENDEKATAN ISLAMICITY PERFORMANCE INDEX TAHUN 2013-2018 Yolanda, Rista; Verdiyanti, Verdiyanti; Andjioe, Oscar Ryanandi
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.100

Abstract

The method used in this research is descriptive method using quantitative. The data source used is secondary data. Results: the performance of Islamic banks with the standard approach of financial ratios 2013-2018 showed"Very Healthy" with an average of 18%. Then when viewed from the NPF showed the predicate "Healthy" with an average of 3.5%. The REO which shows the predicate that is "Very Healthy" with an average of 72%. The ROA shows the predicate that is "Fairly Healthy" with an average of 0.5% and the last from STM which shows the predicate "Healthy" with an average of 24%. The performance of Islamic Commercial Banks shows "Good" from the PSR with an average of 46 %. then if seen from the ZPR value shows the predicate "Not Good" with an average of 0.02% and then seen again from the value of the EDR y which shows a predicate that is "Very Good" with an average of 130% whereas when viewed from the DEWR value indicates a predicate that is "Not Good" with an average of 5% and lastly seen from the value of the IIC it shows an "Very Good" with an average of average of 100%. Conclusion: The concept of Baitul Mal Village itself has characteristics similar to BMT (Baitul Mal Wat Tamlik), the difference in the source of funds derived from the government and the object of the user funds specifically aimed at the local village community
JALAN PANJANG COVID19: article Syauqi, Ahmad
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.115

Abstract

Banyak sudah yang menjadi korban Covid-19 di dunia termasuk Indonesia. Wabah Covid-19 tidak hanya merupakan masalah nasional dalam suatu Negara, tapi sudah merupakan masalah global. Covid-19 berawal muncul dari daerah Wuhan Cina. Penyebaran Covid -19 yang begitu cepat dan mematikan. Covid-19 berdampak kepada kehidupan sosial dan melemahnya ekonomi masyarakat. Permasalahan bagaimana dampak wabah Covid-19 terhadap sektor ekonomi dan upaya penanggulangan wabah Covid-19 serta bagaimana kita sebagai seorang muslim mensikapi wabah covid19 secara benar. Metode penelitian bersifat yuridis normatif yang didukung penelitian empiris menggunakan data sekunder berupa buku-buku, peraturan perundangan-undangan dan internet. Jenis penelitian kualitatif. Hasil penelitian disimpulkan bahwa untuk mencegah penyebaran wabah Covid- 19 diperlukan kerja sama pemerintah, masyarakat, tokoh agama untuk saling bantu membatu, bahu membahu dan mengingatkan satu sama lain dan bersama-sama melawan Covid-19, dan dalam kondisi seperti ini kita sebagai muslim tetap menyakini ada hikmah dibalik ini semua setelah melakukan segala usaha dan upaya untuk mendapatkan yang terbaik bagi kebutuhan fisik dan non fisik antara materi dan immateri kita hanya bisa berikhtiar dan bertawakal kepada sang Kholik.
ANALISIS PERBANDINGAN EFISIENSI, EFEKTIVITAS DAN KEMAMPUAN FISKAL PADA ERA OTONOMI DAERAH DI KABUPATEN/KOTA PROPINSI KALIMANTAN BARAT Azimi, Aulia
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.116

Abstract

The method used in this research is comparative method using quantitative. The data source used is secondary data. The results shows that the comparison between efficiency and effectivity from district / city in West Borneo Province in 2006 – 2010 has declining trend and interrelated. While local fiscal capability which is measured from government finance performance shows that its dependence is still high enough because the contribution of fund balance is still above 50%. Base on the estimation result which is regressed by using EGLS method, it is obtained the result shows that two variables from local finance performance are not significant which are PAD effectivity ratio (REPAD) and local finance dependency ratio (RKetKD), where the estimation result also shows the existence of negative relation but significant to degree of decentralization ratio (RDD). The financial performance of local government still shows dependence on the central government, therefore it must be learn to be independent.
PERANAN IMPLEMENTASI EMPLOYEE STOCK OWNERSHIP PROGRAM DALAM MEMODERASI PENGARUH INTELLECTUAL CAPITAL TERHADAP KINERJA PERUSAHAAN Ayuningtias, Dita; Senjani, Yayu Putri
Jurnal Keuangan dan Perbankan Syariah Vol 1 No 1 (2020): Juni 2020
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v1i1.118

Abstract

Pendahuluan: Penelitian ini dilakukan untuk mengetahui peranan penerapan ESOP dalam memoderasi pengaruh intellectual capital terhadap kinerja perusahaan. Latar Belakang Masalah: Adanya ketidaksesuaian upah yang diterima oleh para buruh di Indonesia yang ditandai dengan demo buruh setiap tahunnya. Selain itu, konflik kepentingan yang sering terjadi pada perusahaan dapat menurunkan komitmen karyawan terhadap perusahaan yang dapat berimbas pada kinerja perusahaan. Kontribusi: Penelitian ini menggunakan ESOP sebagai variabel pemoderasi pada pengaruh intellectual capital dan ketiga komponennya terhadap kinerja perusahaan. Metode Penelitian: Variabel independen dalam penelitian ini adalah intellectual capital yang terdiri dari employed capital, human capital, dan structural capital, sedangkan variabel dependennya adalah kinerja perusahaan. Pengaruh antara variabel tersebut dimoderasi oleh ESOP. Analisis data menggunakan analisis statistik deskriptif dan analisis regresi data panel dengan Eviews. Hasil: Intellectual capital, employed capital, dan human capital berpengaruh signifikan terhadap kinerja perusahaan. Structural capital terbukti tidak berpengaruh terhadap kinerja perusahaan. ESOP berhasil memoderasi pengaruh intellectual capital capital dan human capital terhadap kinerja perusahaan namun bersifat memperlemah. Sedangkan, employed capital dan structural capital belum mampu dimoderasi oleh ESOP dalam memengaruhi kinerja perusahaan. Kesimpulan: ESOP belum mampu menarik minat karyawan untuk meningkatkan produktivitasnya
Pengaruh CAR, FDR dan  NPF terhadap ROA Perbankan Syariah dengan PBH sebagai Variabel Moderating solika, siti lina; Annisa, Arna Asna
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 2 (2023): Desember 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i2.426

Abstract

This study aims to determine the effect of the Capital Adequacy Ratio (CAR), Financing to Debt Ratio (FDR) dan Non Performing Financial (NPF) to Profitabilityat Islamic Commercial Banks with Profit Sharing Financing as the Moderating variable. This research uses quantitative research using multiple linear regression analisys. The data in this study are secondary data, with the population of Islamic Commercial Banks in 2016-2020. The sampling technique used purposive sampling and obtained a sample of 10 Islamic Commercial Bank that met the criteria. The analysis tool uses the Eviews 9 application. Based on the f test, it is known that simultaneously the variable CAR, FDR, NPF and Profit Sharing Financing have an effect on Profitability. From the R2 test, it is known that the independent variable in this study affects the dependent variable by 99,6%. Based on the t-test, the result show that CAR has a significant positive effect on Profitability, FDR has no effect on Profitability, NPF has no significant positive effect on Profitability, Profit Sharing Financing has no effect on Profitability. From the result of the MRA test, it is known that PBH strengthens the effect of CAR on Profit Sharing Financing, PB weakens the influence of FDR on Profitability, while PBH is unable to moderate the effect of NPF Profit Sharing Financing.
STRATEGI PEMASARAN DALAM MENINGKATKAN VOLUME PENJUALAN PRODUK DI GIVIE DESSERT Azaria, Safhira; Fachrurrazi, Fachrurrazi; Atika, Nur
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 2 (2023): Desember 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i2.681

Abstract

Safhira Azaria (11725046), “Marketing Strategy to Increase Sales Volume at Givie Dessert”. Faculty of Islamic Economics and Business Islamic Business Management Study Program, State Islamic Institute (IAIN) Pontianak, 2021. The purpose of this study was to find out what strategy was used and how the implementation of that strategy was used by Givie Dessert in increasing sales volume. With a research focus on marketing strategies to increase sales volume at Givie Dessert. This study used qualitative research methods. Sources of primary data in the form of direct observations and interviews with sources, namely the manager and owner of Givie Dessert. While the data collection technique is by means of observation, interviews, and documentation. Then the data were analyzed using data reduction techniques, data presentation, and drawing conclusions. In the end, the data will be tested for validity using data triangulation and member check techniques. The results of this study indicate that Givie Dessert has implemented a marketing strategy (marketing mix). This has a significant effect on the sales volume of Givie Dessert.
IMPLEMENTASI EKONOMI SYARIAH PADA MODEL BISNIS APLIKASI GO JEK Wijaya, Rahmat Guna
Jurnal Keuangan dan Perbankan Syariah Vol 2 No 1 (2023): Juni 2023
Publisher : FAKULTAS EKONOMI DAN BISNIS ISLAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24260/jkubs.v2i1.900

Abstract

The digital economy is one of the things that marked the development and economic growth in the future, characterized by increasingly rapid development of business or trade transactions using the internet service as a medium to communicate, collaboration and cooperation between companies or individuals. In the development of the digital economy in Indonesia at this time, obtained the fact of the existence of the implementation principle profit and lost sharing. in accordance with the Islamic economic system brought in Islamic civilization. A trading business like that run between the company Go Jek, investor, investors, and the drivers Go Jek who runs a shuttle transportation service of people, goods and services with the use of information technology in the application system internet network. As for the principle for the results is done in accordance with the rules of Sharia in the economic system of Islam is the use of mudharabah and musyarakah contract. Mudharabah and musyarakah is business model with sharing or partnerships between two or more parties to run businesses.

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