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Pengaruh Financial Technology Terhadap Perbankan Syariah: Pendekatan ANP-BOCR (The Influence of Financial Technology on Islamic Banking: ANP-BOCR Approach) Muhammad, Helmi; Sari, Niki Puspita
Perisai : Islamic Banking and Finance Journal Vol 4 No 2 (2020): October
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/perisai.v4i2.868

Abstract

The objective of this study was to examine the influence of financial technology (FinTech) on Islamic banking from the aspects of benefit, opportunity, cost and risk (BOCR). The research data were obtained through in-depth interviews and questionnaires from respondents which consisted of experts from academia, FinTech practicioners, Islamic banking practitioners and financial services authorities who were chosen by purposive sampling. The data analysis method of this research was Analytical Network Process (ANP) with the BOCR network structure approach. The results show that based on the priority aspects of the respondents' answers, rapid development of the FinTech industry provides positive opportunities for Islamic banking to implement strategic cooperation with the FinTech industry as a customer-oriented integral part.
CUSTOMER LOYALTY IN INDONESIAN SHARIA BANKS: INTEGRATING FINANCIAL ASPECTS, FINTECH APPLICATIONS, AND THE CARTER MODEL Muhammad, Helmi; Sari, Niki Puspita
EL DINAR: Jurnal Keuangan dan Perbankan Syariah Vol 12, No 1 (2024): El Dinar
Publisher : Faculty of Economics Universitas Islam Negeri Maulana Malik Ibrahim Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18860/ed.v12i1.23687

Abstract

As a competitive strategy, Bank Syariah Indonesia (BSI) is interested in emphasizing service quality, with a focus on customer loyalty and referral. The CARTER model is becoming increasingly popular among researchers as a tool for evaluating the quality of services provided by Islamic banks. This study seeks to investigate the effects of financial aspects, FinTech use, and CARTER model dimensions on BSI customer loyalty. The study included all customers of BSI Malang across three areas: Malang City, Batu City, and Malang Regency, with a sample size of 100 respondents. The data were analyzed using multiple linear regression. The findings indicate that the financial aspects, FinTech use, and CARTER model dimensions have a significant effect on BSI customer loyalty. Compliance (adherence to Sharia principles) was the most important factor in the CARTER dimension, followed by assurance, reliability, empathy, and responsiveness. Although the financial aspects and tangibility are considered part of the service quality dimension, they do not significantly contribute to BSI customer loyalty. In addition to cultivating technical skills in its workforce, BSI relies on the practical implications of Sharia compliance to enhance its competitive strategy.
Octopus HRD: Multidiciplinary Approach to Higher Education Human Resources Development Sari, Niki Puspita; Resmiatini, Erna; Muhammad, Helmi
JBMP (Jurnal Bisnis, Manajemen dan Perbankan) Vol 10 No 2 (2024): September
Publisher : Universitas Muhammadiyah Sidoarjo

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21070/jbmp.v10i2.1964

Abstract

This study examines human resource development techniques at Raden Rahmat Islamic University in Malang, Indonesia, using a multidisciplinary approach that integrates systems theory, economics, psychology, organizational development, anthropology, sociology, and communication. Employing a qualitative, exploratory descriptive design, data was collected through structured interviews, field observations, and supporting documentation analysis. Informants were selected through purposive and snowball sampling methods, and data was analyzed using an interactive approach, involving data collection, reduction, presentation, and conclusion drawing. Triangulation ensured research validity and reliability. The findings reveal that the university adopts a holistic human resource development strategy, combining various disciplines to enhance employee skills and performance. This approach not only helps the institution achieve its performance goals but also contributes to advancements in human resource development theory and practice
Exploring Integrated Governance to Stimulate Sustainable Performance of Village-Owned Enterprises Sari, Niki Puspita; Muhammad, Helmi; Imron, Muhammad; Azwar Anas, Muhammad Yusuf; Sutomo, Sutomo; Assiddiq, Dafis Ubaidillah; Jannah, Urnika Mudhifatul
Jati: Jurnal Akuntansi Terapan Indonesia JATI Vol 7, No 2: October 2024
Publisher : Universitas Muhammadiyah Yogyakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.18196/jati.v7i2.23845

Abstract

Good governance integration may assist Village-Owned Enterprises (BUMDes) in achieving sustainable performance. This study focused on the adoption of governance principles and their impact on sustainable performance at BUMDes Mutiara Welirang in Mojokerto, East Java, Indonesia. This study used an exploratory descriptive qualitative approach using a single case to explore the phenomenon in depth. Data collecting methods include structured interviews, field observations, focus group discussions, and document studies. The method of determining informants is divided into two stages: purposive sampling to identify important informants based on specific criteria and snowball sampling for supporting informants. Data were processed using thematic analysis to identify, analyze, and report on interview findings. The study's findings show that BUMDes Mutiara Welirang's governance procedures incorporate cooperative, participatory, emancipatory, transparent, accountable, and sustainable principles. The integration of BUMDes governance serves as the foundation for achieving sustainable performance in not only economic but also social, environmental, and cultural dimensions. This study's implications include improving the welfare of multiple stakeholders in financial, social, environmental, and organizational cultural dimensions. This study also provides theoretical benefits, such as serving as a role model for BUMDes governance in Indonesia to achieve sustainable performance.
Pelatihan Dasar Psychoacoustic dan Teknik Miking Sound System Masjid untuk Meningkatkan Kompetensi Takmir Masjid Kota Malang Hidayat, Arif; Nikmah, Ainun; Herawati, Lya Rizka; Ulfawanti Intan Subadra, ST.; Sunaryono; Muhammad, Helmi; Taufiq, ahmad
I-Com: Indonesian Community Journal Vol 5 No 1 (2025): I-Com: Indonesian Community Journal (Maret 2025)
Publisher : Fakultas Sains Dan Teknologi, Universitas Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.70609/icom.v5i1.6545

Abstract

Baru-baru ini, penggunaan pengeras suara pada kegiatan masjid tanpa aturan banyak dikeluhkan masyarakat, baik dari kalangan non muslim maupun muslim. Penataan pengeras suara yang tidak tepat serta kurangnya pemahaman terkait aspek psychoacoustic menjadi penyebab permasalahan tersebut. Oleh karena itu, pelatihan dasar psychoacoustic dan teknik miking sound system masjid diadakan untuk meningkatkan pemahaman takmir masjid di Kota Malang. Kegiatan pelatihan dilakukan dengan metode ceramah dan diskusi secara langsung. Kegiatan yang dihadiri oleh 107 peserta ini mendapatkan respon yang positif, dimana 85% peserta menyatakan bahwa materi yang disampaikan jelas dan mudah dipahami. Selanjutnya, hampir 70% peserta juga akan mengimplemantasikan teknik miking sound system di masjid yang mereka pimpin sehingga masalah pengeras suara dapat teratasi. Kegiatan ini memberikan dampak positif tidak hanya pada efisiensi pengelolaan sound system masjid, tetapi juga pada kualitas pengalaman ibadah jamaah yang secara tidak langsung akan berdampak pada partisipasi jamaah dalam memakmurkan masjid.
Training on capacity building for editors in managing OJS-based journals Mufti, Nandang; Taufiq, Ahmad; Hidayat, Arif; Sunaryono, Sunaryono; Muhammad, Helmi; Subadra, ST Ulfawanti Intan
Community Empowerment Vol 10 No 2 (2025)
Publisher : Universitas Muhammadiyah Magelang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31603/ce.12243

Abstract

Scientific publication is one of the means of sharing knowledge in the field of education, including learning processes, learning media, and other educational research findings. One of the most commonly used open-source platforms is the Open Journal System (OJS). However, new editors often have very limited knowledge regarding the journal's business processes. This community service activity aims to develop and enhance the competencies of journal editors in managing OJS-based journals. The program was conducted in two stages: the implementation stage, which included training through lectures and discussions, followed by the evaluation stage. The evaluation results indicate that the provided materials and hands-on practice significantly helped improve editors' knowledge of OJS-based journal management. Furthermore, after this training, editors became more proficient in article selection and copyediting processes.
Pelatihan Digital Branding untuk Optimalisasi Penjualan Produk di Pondok Pesantren Zainul Hasan Genggong Kusairi, Sentot; Taufiq, Ahmad; Hidayat, Arif; Muhammad, Helmi; Herawati, Lya Rizka
Abdimas Galuh Vol 7, No 1 (2025): Maret 2025
Publisher : Universitas Galuh

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.25157/ag.v7i1.17967

Abstract

Tim pengabdian FMIPA UM telah berhasil melaksanakan pelatihan digital branding dalam rangka peningkatan penjualan produk di Pondok Pesantren Zainul Hasan Genggong. Kegiatan ini dilaksanakan karena SDM di Pondok Pesantren Zainul Hasan Genggong belum mampu untuk membranding dan memasarkan produk dengan memanfaatkan media digital. Oleh karena itu, dilaksanakan pelatihan digital branding dengan tujuan untuk melatih SDM di Pondok Pesantren agar dapat memperkenalkan produk-produk hasil dari Pondok Pesantren Zainul Hasan Genggong dengan memanfaatkan media digital sehingga dapat dikenal oleh masyarakat luas. Tujuan lainnya juga untuk menumbuhkan jiwa berwirausaha sejak dini kepada santri. Kegiatan ini dilaksanakan dengan pemberian pelatihan sebanyak dua kali yang bertempat di Universitas Negeri Malang dan Pondok Pesantren Zainul Hasan Genggong. Peserta kegiatan pelatihan ini adalah para tenaga pendidik dan para santri di lingkungan Pondok Pesantren Zainul Hasan Genggong. Hasil dari kegiatan ini adalah meningkatnya penjualan produk karena menggunakan media digital untuk membranding produk yang dijual dan juga para santri memiliki kesadaran sejak dini untuk berwirausaha.
Profitability of Islamic banks: an empirical investigation of internal factors at Bank Muamalat Indonesia Muhammad, Helmi; Rinawati, Ika
JAS (Jurnal Akuntansi Syariah) Vol 9 No 1 (2025): JAS (Jurnal Akuntansi Syariah) - June
Publisher : LPPM ISNJ Bengkalis

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.46367/jas.v9i1.2251

Abstract

Purpose - This research seeks to examine the impact of internal factors on the financial performance of Bank Muamalat Indonesia, a forerunner of Islamic banking within Indonesia. Method - This study adopts a quantitative approach involving secondary data from Bank Muamalat Indonesia's monthly financial statements from January 2014 to December 2023 for 120 observations. Multiple linear regression analysis was employed to investigate the relationship between a dependent variable and various independent variables. Findings - This study reveals that the CAR, RISK, and FIN variables, serving as capital adequacy, credit risk, and financing indicators, exhibit a noteworthy negative effect on profitability. In contrast, the COST and LIQ variables, which act as proxies for efficiency and liquidity, demonstrate a notable positive influence on profitability. Implications - Theoretically, this research provides a conceptual framework for comprehending the influence of internal variables on profitability via investment strategies while contributing to scientific knowledge. Practically, this research is a reference for policymakers to promote economic advancement through initiatives to enhance banking profitability.
Lingkungan Kerja dan Pengalaman Kerja Terhadap Motivasi Kerja Pengawai: Peran Mediasi Kecerdasan Emosional Mauludyah, Afiatul; Sari, Niki Puspita; Muhammad, Helmi
DIALEKTIKA: Jurnal Ekonomi dan Ilmu Sosial Vol 10 No 1 (2025): Dialektika: Jurnal Ekonomi dan Ilmu Sosial
Publisher : Prodi Manajemen Fakultas Ekonomi dan Bisnis Universitas Islam Raden Rahmat Malang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36636/dialektika.v10i1.6759

Abstract

This study aims to determine and analyze the influence of the work environment and work experience on emotional intelligence and work motivation of employees of the Indonesian Agro Niaga Cooperative (KANINDO) Syariah East Java. This study uses a quantitative approach by distributing questionnaires to the entire population. Data analysis uses Partial Least Square (PLS) through the SmartPLS application. The results of the study indicate that the work environment has a significant effect on emotional intelligence, work experience has a significant effect on emotional intelligence, the work environment has a significant effect on employee work motivation, work experience has a significant effect on employee work motivation, emotional intelligence has a significant effect on employee work motivation, emotional intelligence cannot mediate the influence of the work environment on employee work motivation, and emotional intelligence can mediate the influence of work experience on employee work motivation at KANINDO Syariah East Java.