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IDENTIFIKASI TINDAKAN PENGAWASAN DAN PENCEGAHAN TERHADAP KEJAHATAN FINANSIAL PERBANKAN SYARIAH SELAMA MASA PANDEMI COVID 19 Asyari Hasan; Lulu Febriany
Fair Value: Jurnal Ilmiah Akuntansi dan Keuangan Vol. 4 No. 4 (2021): FairValue : Jurnal Ilmiah Akuntansi dan Keuangan
Publisher : Departement Of Accounting, Indonesian Cooperative Institute, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (277.531 KB) | DOI: 10.32670/fairvalue.v4i4.797

Abstract

The increasingly widespread banking crimes during the 19th council, resulted inthe need for strengthening all efforts to prevent and eradicate these bankingcrimes. Supervision also becomes one of the alternatives. Supervision of the bankwas also seen as very important during the covid pandemic 19 period in order tomaintain public confidence (customers) in the bank itself and to be able toachieve and maintain the stability of the rupiah, as the objective of BankIndonesia. The forms of supervision are external supervision, internalsupervision and public supervision and comply with compliance aspects ofIslamic banking. If it runs effectively, it is certain that banking crime can beminimized and no longer colors the banking industry
Pengaruh Teknologi Informasi, Manfaat, Keamanan, dan Fitur Layanan Terhadap Minat Nasabah Menggunakan Internet Banking (Studi Kasus Pada Nasabah Bank BNI Syariah Kota Tangerang Selatan) Muhammad Iqbal; Asyari Hasan; Iva laili
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (107.563 KB) | DOI: 10.30651/jms.v7i1.8854

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh variabel bebas teknologi informasi, manfaat, keamanan, dan fitur layanan secara parsial maupun simultan terhadap variabel terikat yaitu minat nasabah menggunakan internet banking pada bank BNI Syariah kota Tangerang Selatan. Penelitian ini menggunakan kuesioner sebagai instrumen untuk mengambil sampel sebanyak 100 responden, dengan menggunakan metode non-probability sampling. Teknik analisis yang digunakan dalam penelitian ini adalah regresi linier berganda dengan menggunakan SPSS 24. Hasil penelitian ini menunjukkan bahwa secara parsial variabel teknologi informasi berpengaruh secara signifikan terhadap minat menggunakan internet banking (nilai signifikansi sebesar 0,021 < 0,05), variabel manfaat  berpengaruh secara signifikan terhadap minat menggunakan internet banking (nilai signifikansi sebesar 0,001 < 0,05), variabel keamanan berpengaruh secara signifikan terhadap minat  menggunakan internet banking (nilai signifikansi sebesar 0,043 < 0,05), variabel fitur layanan berpengaruh secara signifikan terhadap minat menggunakan internet banking (nilai signifikansi sebesar 0,010 < 0,05). Kemudian secara simultan diketahui bahwa seluruh variabel bebas (teknologi informasi, manfaat, keamanan, dan fitur layanan) dalam penelitian ini memiliki pengaruh signifikan terhadap variabel terikat (minat meggunakan) dengan nilai signifikansi 0,000 < 0,05. Implikasi yang dapat diterapkan dari penelitian ini adalah edukasi kepada seluruh nasabah tentang fasilitas internet banking, hingga penambahan fitur internet banking guna memudahkan transaksi nasabah.
PENGARUH PENYALURAN DANA, PERMODALAN, RENTABILITAS DAN KUALITAS ASET PRODUKTIF TERHADAP NON PERFORMING FINANCING DI INDONESIA PERIODE 2014 – 2018 Asyari Hasan; Shafira Widya Paramitha
Jurnal Ekonomi Bisnis Indonesia Vol. 14 No. 2 (2019): Jurnal Ekonomi Bisnis Indonesia
Publisher : Sekolah Tinggi Ilmu Ekonomi Bisnis Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (530.856 KB) | DOI: 10.36310/jebi.v14i02.152

Abstract

Penelitian ini bertujuan untuk mengetahui pengaruh variabel independen yaitu Financingto Deposit Ratio (FDR), Capital Adequancy Ratio (CAR), Net Operating Margin (NOM) dankualitas aktiva produktif terhadap variabel dependen yaitu Non Performing Financing (NPF) yangmenggambarkan pembiayaan bermasalah bank syariah baik secara parsial dan simultan selamaperiode 2014-2018. Dengan Bank Umum berdasarkan Kegiatan Usaha (BUKU) 2 Bank Syariahyang terdiri dari 6 Bank Umum Syariah sebagai kriteria dalam penelitian ini. Berdasarkan hasil uji tdiketahui bahwa FDR, CAR dan kualitas aset produktif secara parsial tidak berpengaruh signifikanterhadap NPF. Namun, variabel NOM secara parsial memiliki efek negatif pada NPF. Hasil uji Fdiketahui bahwa variabel independen secara bersama-sama mempengaruhi NPF. R2 penyesuaianyang dihasilkan memberikan kontribusi 27,124% untuk variabel dependen, sisanya 72,876%dipengaruhi oleh variabel lain yang tidak dijelaskan dalam penelitian ini.
Determinants of Disclosure of Islamic Social Reporting (ISR) On Financial Performance in Islamic Banking Hilwa Fitri Millenia; Asyari Hasan
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 2 (2022): Budapest International Research and Critics Institute May
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i2.5280

Abstract

This study aims to examine the effect of Islamic Social Reporting (ISR) disclosure on financial performance. The dependent variable used in this study is financial performance as measured by Return on Assets (ROA). The independent variable in this study is Islamic Social Reporting (ISR). The population in this study is the Islamic banking industry registered with the Financial Services Authority (OJK) for the period 2011-2020. The sample in this study were 8 Islamic banks selected using purposive sampling method. This study uses linear regression analysis of panel data as a data analysis tool. The statistical tool used is Eviews 9. The results show that the disclosure of Islamic social reporting has a significant positive effect on return on assets (ROA) with a prob value0.0102or less than 0.05. So that ISR can be used to predict ROA with a positive coefficient direction, meaning that if ISR increases, ROA will increase, which means that financial performance will increase.
Separation of Rights and Obligations (Spin-Off) Sharia Business Unit PT. Bank Sulselbar Ummu Kaltsum; Asyari Hasan; Rahmat Ali
Budapest International Research and Critics Institute-Journal (BIRCI-Journal) Vol 5, No 3 (2022): Budapest International Research and Critics Institute August
Publisher : Budapest International Research and Critics University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33258/birci.v5i3.6661

Abstract

This study examines the Sharia Business Unit at PT Bank Sulsebar, as a conventional bank that seeks to spin-off (separation of rights and obligations) into the Sharia Business Unit (UUS) from the aspect of mechanism, readiness, business model and benefits. This study applies a qualitative research model with a phenomenological approach and case studies. The results of the study revealed that the separation of rights and obligations of the sharia business unit of PT. Bank Sulselbar uses a pure spin-off model through ascertaining the spin-off model, constructing spin-off stages, creating spin-off scenarios, providing and meeting capital, and determining the composition of shareholders. PT. Bank Sulselbar starts from improving the quality of human resources, product differentiation, technology development and product and network innovation, as well as implementing good corporate governance. Spin-Off Benefits PT. There are two Bank Sulselbar, namely for the development of sharia business, and for the parent and subsidiary.  
Assessment Financial Distress of Islamic Banking in Indonesia Before and During Covid-19 Mufidah Syamsuddin; Asyari Hasan
Al-Mashrafiyah (Jurnal Ekonomi, Keuangan dan Perbankan Syariah) Vol 7 No 1 (2023): April 2023
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/al-mashrafiyah.v7i1.36677

Abstract

This study aims to measure the level of financial distress of Islamic banking in Indonesia before and during Covid-19. The research method used is the Modified Altman Z-Score method. The sampling technique in this study used a purposive sampling technique so that there were 5 Islamic Commercial Banks as research samples, namely BCA Syariah, KB Bukopin Syariah, Bank Victoria Syariah, Bank Panin Dubai Syariah, and Bank Aladin Syariah. They use quarterly financial report data for the 2018-2019 research period (before covid-19) and 2020-2021 (during covid-19). The sampling technique used purposive sampling techniqueVariables in this study use variables from the Altman Z-Score analysis, namely WCTA, RETA, EBITTA, and BVEBVL variables. The results of this study indicate that during Covid-19, there were 3 Islamic Commercial Banks that were in a healthy condition or safe zone for two consecutive years, namely KB Bukopin Syariah, Bank Victoria Syariah, and Bank Aladin Syariah,2 Sharia Commercial Banks in distress zone and gray zone conditions namely BCA Syariah and Panin Dubai Syariah. In contrast, during covid-19, only two banks were in good health for two consecutive years, namely KB Bukopin Syariah and Bank Aladin Syariah. The other three banks are in a safe zone, gray zone, and distress zone, namely BCA Syariah, Bank Victoria Syariah, and Bank Panin Dubai Syariah.
SWOT: IMPLEMENTASI APLIKASI MOBILE BANKING TERHADAP KUALITAS LAYANAN BANK MUAMALAT Abdul Muthalib; Asyari Hasan
FINANSIA : Jurnal Akuntansi dan Perbankan Syariah Vol 6 No 2 (2023): FINANSIA : Jurnal Akuntansi dan Perbankan Syariah
Publisher : Fakultas Ekonomi Dan Bisnis Islam IAIN Metro

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.32332/finansia.v6i2.7127

Abstract

This research identifies the advantages and disadvantages of using mobile banking in Islamic banking services, and looks for opportunities and threats that may arise as a result of the use of this technology. The purpose of the study was to analyze the implementation of mobile banking applications on the quality of Bank Muamalat's services using a SWOT analysis approach. Descriptive qualitative research methods, using primary and secondary data, provide a comprehensive overview of the strengths, weaknesses, opportunities, and threats associated with the use of mobile banking in Islamic banking services. Research shows that the use of mobile banking has great potential in improving the quality of Islamic banking services. The advantages found include efficiency, ease of access, low operational costs, and 24-hour service accessibility. However, there are also disadvantages such as reliance on a good internet connection, the risk of digital crime, and additional costs. This research makes an important contribution in understanding the factors that influence the implementation of mobile banking in the quality of Bank Muamalat KC's services. Pontianak.
Analysis of Personnel Management Strategy in Improving Human Resources Performance in Sharia Banking Zakiyyah Nur Fitri; Asyari hasan
Indonesian Interdisciplinary Journal of Sharia Economics (IIJSE) Vol 6 No 1 (2023): Sharia Economic: January, 2023
Publisher : Sharia Economics Department Universitas KH. Abdul Chalim, Mojokerto

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31538/iijse.v6i1.2252

Abstract

Banking is one of the institutions engaged in finance that plays a role in efforts to advance the country’s economy. As an institution whose role is to advance the country’s economy, the performance of employees at the institution is highly valued. In this assessment, there is a strategy that has been determined by the personnel management to improve the performance of these human resources. The study aims to determine how the personnel management strategy in an effort to improve employee performance at Bank Muamalat Bengkulu Branch office. This research is field research, with a qualitative research approach. It uses a purposive sampling technique, namely the technique of sampling data sources based on certain considerations. The researchers made employees at Bank Muamalat Bengkulu Branch Office as subjects/informants a total of 5 people. Based on the results of the study, it can be concluded that the personnel management strategy in an effort to improve the performance of human resources at Bank Muamalat Bengkulu Branch Office is carried out independently, in class, and periodically trained.
Pengaruh Tabungan Mudharabah, Deposito Mudharabah Terhadap Pembiayaan Mudharabah Pada BPRS Di Indonesia Priode 2019-2022 Nurul Apriani; Asyari Hasan
Jurnal Ilmiah Ekonomi Islam Vol 9, No 3 (2023): JIEI : Vol.9, No.3, 2023
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/jiei.v9i3.11359

Abstract

This study aims to determine how the influence of Mudharabah Savings, Mudharabah Deposits on Mudharabah Financing at BPRS in Indonesia for the period 2019-2022. This research uses quantitative research methods. The results of the study were tested with multiple linear regression using the IBM SPSS_24 programme, while the data collection of BPRS in Indonesia for the 2019-2022 period was directly obtained after conducting research on BPRS in Indonesia for the 2019-2022 period. The sample technique in this study is to use saturated sampling or total sample, namely sampling when all populations are used as samples. Based on the t-test test that the Mudharabah Savings variable (X1) has a tcount value < ttable (10.789 < 2.201), and the Mudharabah Deposit variable (X2) has a tcount value> ttable (1.435 > 2.201), this proves that there is no effect of Mudharabah Savings (X1) on the increase in Mudharabah Financing at BPRS in Indonesia priode 2019-2022 persially while the Mudharabah Deposit variable (X2) has an influence on Mudharabah Financing at BPRS in Indonesia priode 2019-2022. And based on the results of the F-test data analysis shows that simultaneously or together the Mudharabah Savings (X1) and Mudharabah Deposit (X2) variables simultaneously affect Mudharabah Financing (Y), where the sig value is 0.158
Implementation of the Prudent Principle in Murābaḥah Financing Operations at KSPPS Assyafi'iyah Metro Lampung Branch Nur Halimah; Asyari Hasan
Bulletin of Indonesian Islamic Studies Vol. 4 No. 1 (2025): Bulletin of Indonesian Islamic Studies
Publisher : KURAS Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51214/biis.v4i1.1529

Abstract

Murābaḥah financing is financing carried out for the ownership of certain goods that are paid at maturity. This study aims to determine the implementation of the prudent principle in the operation of murābaḥah financing at KSPPS BMT Assyafi'iyah Metro Lampung Branch. This study uses a qualitative approach with a case/field study. The case study approach was chosen because it allows researchers to explore in depth the process of implementing the principle of prudence in the operational context of murābaḥah financing. The results of this study state that murābaḥah financing at KSPPS BMT Assyafi'iyah applies the principle of prudence (prudent principle) which aims to avoid problematic customers and minimize the risk of loss for the BMT. The principle of prudence (prudent principle) applied by KSPPS BMT Assyafi'iyah is the 5C + S aspect (character, capital, capacity, collateral, condition of economic and sharia).