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All Journal ETIKONOMI JURNAL ECONOMIA Jurnal Ekonomi Kuantitatif Terapan Al-Ahkam Global Review of Islamic Economics and Business Jurnal Al-Qardh Jurnal Tekun HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Maneksi (Management Ekonomi Dan Akuntansi) Jurnal Manajemen & Keuangan Tazkia Islamic Finance and Business Review Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Moneter : Jurnal Akuntansi dan Keuangan Perisai : Islamic Banking and Finance Journal Akuntabel : Jurnal Ekonomi dan Keuangan Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) Jurnal Inovasi Bisnis (Inovbiz) JMM (Jurnal Masyarakat Mandiri) Profita : Komunikasi Ilmiah dan Perpajakan International Journal of Social Science and Business Jesya (Jurnal Ekonomi dan Ekonomi Syariah) Shirkah: Journal of Economics and Business Abdimas Umtas : Jurnal Pengabdian kepada Masyarakat Iqtishoduna: Jurnal Ekonomi Islam International Journal of Economics, Business and Accounting Research (IJEBAR) Amalee: Indonesian Journal of Community Research & Engagement EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit International Journal of Environmental, Sustainability, and Social Science ARBITRASE: JOURNAL OF ECONOMICS AND ACCOUNTING Journal of Islamic Economics and Social Science (JIESS) Share: Jurnal Ekonomi dan Keuangan Islam Journal of Trends Economics and Accounting Research Jurnal Cakrawala Ilmiah Akuntansi dan Humaniora: Jurnal Pengabdian Masyarakat Jurnal Lemhannas RI Trending: Jurnal Manajemen dan Ekonomi DEDIKASI : Jurnal Pengabdian Kepada Masyarakat Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Research Horizon Jurnal Manajemen Pariwisata dan Perhotelan Moneter : Jurnal Ekonomi dan Keuangan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi An-Nisbah: Jurnal Ekonomi Syariah Business, Management & Accounting Journal Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah Economics & Islamic Finance Journal Social & Economic Bulletin Pelita : Jurnal Penelitian, Terapan dan Aplikatif Economic and Business Horizon Moderation: Journal of Islamic Studies Review JOURNAL SPORTINDO Indonesian Journal of Accounting and Governance
Lucky Nugroho
Universitas Mercu Buana
Religion Agriculture, Biological Sciences & Forestry Arts Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Library & Information Science Public Health Social Sciences Other

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INDONESIA ISLAMIC BANK PROFITABILITY 2010-2017 Nugroho, Lucky; Badawi, Ahmad; Hidayah, Nurul
Shirkah: Journal of Economics and Business Vol 4, No 1 (2019)
Publisher : IAIN Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (852.989 KB) | DOI: 10.22515/shirkah.v4i1.240

Abstract

This study proposes to determine the board management structure, bad debt, and efficiency of the profitability of the Islamic banks during 2007-2017 period. The quantitative data has been analyzed by using multiple regression analysis to determine the effect of independent variables on the variable dependent. Furthermore, the statistic tools used in the data process is Stata version 13. This study shows that the board of directors of the parent bank has a negative and significant influence on profitability. The problem financing has a negative and significant effect on profitability. Likewise, the ratio of operational costs also has a negative and significant effect on profitability. Thus, the existence of a parent bank's board of management to improve the performance of Islamic banks needs to be considered because it has not been able to provide an optimal contribution. In addition, the significant amount of financing quality and the use of inefficient operational costs have been a problem of improving profits from Islamic banks. Keywords: parent bank, bad debt, efficiency, profitability, Islamic banks
The Contribution of Islamic Bank in Poverty Alleviation Nugroho, Lucky; Mastur, Akhmad Amien; Harnovinsah, Harnovinsah; Aryanti, Widya
Al-Ahkam Volume 30, Nomor 1, April 2020
Publisher : Faculty of Shariah and Law, State Islamic University (UIN) Walisongo

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (165.976 KB) | DOI: 10.21580/ahkam.2020.30.1.5387

Abstract

The existence of Islamic banks as one part of Islamic financial institutions should contribute to improving the economy, one of which is to reduce poverty. Therefore, the purpose of this study is to investigate the effect of financing variables, asset variables, and Islamic bank office variables on poverty levels. The sample used to be Islamic Commercial Banks (BUS) in the 2013-2017 period, with a total of 110 samples. The methodology used is quantitative with multiple regression statistical analysis and statistical data processing using SPSS software version 20. The results of the study note that financing has a negative and significant effect, namely, the higher the financing of Islamic banks, it will reduce poverty. However, the total assets and the number of networks that have a positive and significant effect, namely the increase in total assets and branch networks, it will affect the increasing amount of poverty. That is because the assets of Islamic banks are supported by the majority savings and the not optimal yet of distribution of financing from Islamic banks to the community. Also, the existence of the Islamic branch office tends to be found in provincial capitals and big cities, so that the communities in rural and remote areas are still not reached by Islamic banks.
FISCAL REGENCY AND CITY CAPACITY IN EAST KALIMANTAN IN THE ERA OF REGIONAL AUTONOMY Soeharjoto, Soeharjoto; Tribudhi, Debble Aryani; Nugroho, Lucky
International Journal of Economics, Business and Accounting Research (IJEBAR) Vol 4, No 02 (2020): IJEBAR, VOL. 04 ISSUE 02, JUNE 2020
Publisher : LPPM ITB AAS INDONESIA (d.h STIE AAS Surakarta)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29040/ijebar.v4i02.973

Abstract

This study aims to determine the fiscal decentralization capacity of regencies and cities in East Kalimantan Province by referring to the map of blood financial capability using share index and growth indicators,regional decentralization indices, and regional independence index. The results of the City of Balikpapan, Samarinda City, Bontang City, and Berau Regency are areas that can be considered feasible in the implementation of fiscal autonomy. Other regions are not feasible. In fact, in the long run, there will be obstacles because regions that are considered worthy of fiscal autonomy rely on non-renewable natural resources, so that human resource development is needed to be able to move into the natural resource processing sector that can be updated and services.
The Contribution of Islamic Bank in Poverty Alleviation Nugroho, Lucky; Mastur, Akhmad Amien; Harnovinsah, Harnovinsah; Aryanti, Widya
Al-Ahkam Volume 30, Nomor 1, April 2020
Publisher : Faculty of Sharia and Law, Universitas Islam Negeri (UIN) Walisongo Semarang

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (165.976 KB) | DOI: 10.21580/ahkam.2020.30.1.5387

Abstract

The existence of Islamic banks as one part of Islamic financial institutions should contribute to improving the economy, one of which is to reduce poverty. Therefore, the purpose of this study is to investigate the effect of financing variables, asset variables, and Islamic bank office variables on poverty levels. The sample used to be Islamic Commercial Banks (BUS) in the 2013-2017 period, with a total of 110 samples. The methodology used is quantitative with multiple regression statistical analysis and statistical data processing using SPSS software version 20. The results of the study note that financing has a negative and significant effect, namely, the higher the financing of Islamic banks, it will reduce poverty. However, the total assets and the number of networks that have a positive and significant effect, namely the increase in total assets and branch networks, it will affect the increasing amount of poverty. That is because the assets of Islamic banks are supported by the majority savings and the not optimal yet of distribution of financing from Islamic banks to the community. Also, the existence of the Islamic branch office tends to be found in provincial capitals and big cities, so that the communities in rural and remote areas are still not reached by Islamic banks.
ANALISA MANFAAT PEMBIAYAAN GADAI EMAS SYARIAH: STUDI KASUS BANK SYARIAH MANDIRI-TOMANG RAYA Bahari, Natasha Putri; Nugroho, Lucky; Badawi, Ahmad; Hidayah, Nurul
Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Vol 8, No 1 (2021)
Publisher : Universitas Ahmad Dahlan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.12928/j.reksa.v8i1.3698

Abstract

One of the superior products that distinguish between Islamic banks and conventional banks is Rahn or a pawn. However, these products are not owned by all Islamic banks. Furthermore, one of the sharia banks that have gold Rahn products or sharia gold pawn financing is Bank Syariah Mandiri (BSM), where BSM is also the largest Islamic bank with assets in Indonesia. This study aims to analyze the use of Islamic bank gold pawn financing for the community. The method used is a qualitative descriptive method with primary data. The sample used is customers of the BSM Tomang Raya Branch who have gold pawn financing facilities, amounting to 30 customers. The research questions are (i) What are the characteristics of the customers of sharia gold pawn financing;(ii) How is the use of Islamic gold pawn financing. The results of the research show that the majority of the age range of customers for sharia gold pawn financing is productive age (30-49 years), the majority of the sexes are women, the occupation of the majority of customers is private employees, the majority of customers› income is> IDR 5,000,000 per month. , the majority of customer education is S-1 and the religion of the majority of customers is Muslim. In addition, the use of borrowed money from sharia gold pawn financing is intended for consumer needs.
Fintech Di Era Digital Untuk Meningkatkan Kinerja ZIS di Indonesia Soeharjoto Soekapdjo; Debbie Aryani Tribudhi; Lucky Nugroho
Jurnal Ilmiah Ekonomi Islam Vol 5, No 3 (2019): JIEI Vol.05 No.03 2019
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (609.781 KB) | DOI: 10.29040/jiei.v5i3.529

Abstract

Purpose of this study is to predict trend value of collecting ZIS with fintech and non fintech. Data taken from BAZNAs from 2002-2017 and using descriptive statistics with linear trend and parabolic, inference statistic with paired sample test. Result shown that fintech trend like parabolic and non fintech like linear. There is a significant and power full correlation at ZIS revenue with fintech and non fintech. Thus, there is difference average of ZIS revenue before and after using fintech. Using SIMBA fintech will be affecting the revenue of ZIS. Average prediction of ZIS collecting funds from 2018-2025 with fintech is greater than using non fintech. Average growth of ZIS revenue with fintech is 9.98 percent and 5.78 percent with non fintech.
Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia Hida Hiyanti; Lucky Nugroho; Citra Sukmadilaga; Tettet Fitrijanti
Jurnal Ilmiah Ekonomi Islam Vol 5, No 3 (2019): JIEI Vol.05 No.03 2019
Publisher : ITB AAS INDONESIA Surakarta

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (133.357 KB) | DOI: 10.29040/jiei.v5i3.578

Abstract

Saat ini, perkembangan fintech (financial technology) syariah di Indonesia semakin pesat. Tetapi di sisi lain, terdapat beberapa fenomena dan permasalahan pada fintech konvensional yang memberikan dampak negatif di masyarakat. Oleh karenanaya keberadaan fintech syariah seharusnya dapat menjadi solusi atas fenomena ini. Tujuan dari penelitian ini adalah untuk mengetahui tentang peluang dan tantangan fintech syariah (Teknologi Finansial) di Indonesia. Penelitian ini menggunakan analisis deskriptif dengan pendekatan kualitatif. Teknik analisis data yang digunakan adalah dengan model interaktif. Hasil penelitian menunjukkan terdapat peluang dan tantangan fintech syariah di Indonesia yang terdiri dari: regulasi, sumber daya manusia, dan penguasaan teknologi dari masyarakat.
STRATEGI MENINGKATKAN EKSISTENSI ASURANSI SYARIAH DI INDONESIA Dinna Miftakhul Jannah; Lucky Nugroho
JURNAL MANEKSI Vol 8, No 1 (2019): JURNAL MANEKSI
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (427.04 KB) | DOI: 10.31959/jm.v8i1.235

Abstract

Asuransi syariah di Indonesia berpotensi untuk tumbuh seiring dengan peningkatan pasar keuangan syariah.Tujuan dari penulisan ini adalah mengetahui bagaimana sikap perilaku masyarakat terhadap eksistensi asuransi syariah. Selain itu melihat apakah ada faktor yang mendukung eksistensi asuransi dan kesadaran masyarakat terhadap asuransi syariah di Indonesia. Metode penelitian ini menggunakan kajian pustaka atau library research dengan pendekatan deskriptif yang merupakan bagian dari kualitatif. Data yang digunakan berupa tulisan, grafik, gambar dan bukan angka-angka. Hasil penelitian bahwa eksistensi asuransi syariah di Indonesia dapat ditingkatkan apabila memiliki dasar hukum yang khusus yang masih sangat minim untuk mengatur asuransi syariah serta peran agen asuransi syariah sangat diperlukan untuk menjembatani informasi kepada masyarakat tentang produk, sistem, kegunaan, manfaat asuransi syariah.
ANALISA FAKTOR-FAKTOR YANG MEMPENGARUHI KUALITAS AUDIT (Studi Empiris pada Perusahaan Manufaktur Industri Sektor Barang Konsumsi yang Terdaftar Di Bursa Efek Indonesia tahun 2014-2016) Lucky Nugroho
JURNAL MANEKSI Vol 7, No 1 (2018)
Publisher : Politeknik Negeri Ambon

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (815.002 KB) | DOI: 10.31959/jm.v7i1.89

Abstract

Currently, the government is prioritizing the development of the manufacturing sector to support national development. Based on the quality of the audit becomes very important to make the right decision for the users of financial statements, especially in the manufacturing sector. Furthermore, this study aims to determine the factors affecting audit quality, especially tenure audit factors, the size of the public accounting firm (KAP), and time budget pressure. Data analysis technique used is logistic regression analysis with the sample of 90 research of manufacture industry sector of consumer goods sector listed in BEI during the year 2014-2016. Based on the result of research indicate that KAP size and time budget pressure have no significant effect on audit quality. While audit tenure has a positive and significant impact on audit quality.
Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger Lucky Nugroho; Anita Dwi Utami; Citra Sukmadilaga
Jurnal Manajemen dan Keuangan Vol 10 No 2 (2021): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v10i2.3978

Abstract

Merger dari ketiga bank syariah yaitu Bank Syariah Mandiri (BSM), Bank BNI Syariah (BNIS), dan Bank BRI Syariah (BRIS), telah terjadi pada tanggal 01 Februari 2021. Bank hasil penggabungan tersebut diharapkan dapat meningkatkan pangsa pasar sehingga pangsa pasar perbankan syariah naik. Namun, tujuan merger ini bukan semata-mata meningkatkan daya saing. Oleh karenanya dengan aksi korporasi merger tersebut diharapkan dapat menciptakan Bank Syariah yang masuk ke dalam 10 Top Global menurut kapitalisasi serta menyediakan produk dan layanan yang sesuai dengan prinsip-prinsip syariah. Tujuan dari penelitian ini adalah untuk menganalisa kualitas bank yang melakukan merger tersebut ditinjau dari aspek ketahanan dan stabilitas. Adapun unsur ketahanan direpresentasikan oleh Modal Inti yang direpresentasikan dengan Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF). Sedangkan stabilitas direpresentasikan dengan variabel Return on Aset (ROA), Financing to Deposit Ratio (FDR), dan Cost Efficiency Ratio (CER). Metode yang digunakan adalah statistik deskriptif dengan membandingkan aspek ketahanan dan stabilitas dari bank-bank yang melakukan merger tersebut dengan menggunakan bobot sesuai dengan ketentuan regulator. Periode pengamatan pada penelitian ini yaitu dari 2016 s.d 2020. Hasil dari penelitian adalah BSM memiliki ketahanan dan stabilitas yang paling baik. Sedangkan BNIS memiliki ketahanan dan stabilitas peringkat 2 setelah BSM. Selanjunya BRIS menduduki tempat terakhir dari segi aspek ketahanan dan stabilitas dalam bank syariah yang melakukan merger. Oleh karena itu seyogyanya BSM sebagai bank yang memiliki kinerja yang paling baik dan memiliki pengalaman paling lama dapat dijadikan pengelola utama dari bank hasil merger tersebut (Bank Syariah Indonesia). Implikasi dari penelitian ini adalah memberikan informasi kepada masyarakat dan juga bank hasil merger bahwa aksi korporasi tidak berherti setelah merger tetapi konsolidasi internal yang menerapkan azas keadilan sesuai dengan kontribusi dan pengalaman masing-masing bank tersebut patut untuk dipertimbangkan. Originalitas dari penelitian ini adalah melakukan analisa ketahanan dan stabilitas terhadap bank-bank yang melakukan merger.
Co-Authors Abd. Akram H Achmad Jamil Adhy Purnama Adhy Purnama, Adhy Affan Hanif Imaduddin Afiyana, Indria Fitri Agustin Fadjarenie Ahmad Badawi Ahmad Badawi Saluy Ahmad Badawi, Ahmad Ahmad Jainuri Ahmad Shaifull Anuar Ahmad Zainuddin Ajeng Pratiwi Akhmad Amien Mastur Akhmad Amien Mastur Akhmad Amien Mastur Akhmad Amien Mastur Al Ghani, M. Aldo Gilang Priyambodo Alfa Mightyn Ali, Anees Jane Ali, Anees Jane Ali Ali, Anees Janee Andriana Tri Muthmainnatun Anees Jane Ali Anees Jane Ali Ali Anees Janee Ali Anees Janee Ali Anita Dwi Utami Annas Malik Annisa Hakim Zamzami Antonius Setyadi Apollo Apollo Apriliani, Nailah Arief Bowo Prayoga Kasmo Arnaz, Mokhamad Afrizal Aspar, Muhammad Aurelia, Fadia Nazwah Azelia Sarah Yusufa Bahari, Natasha Putri Baihaki, Ra'sya Hilaly Chairia Lubis Chania, Putri Septri Choirun Nisa Vidyaningrum Citra Lindra Citra Sukmadilaga Citra Sukmadilaga Daito, Apollo Debbie Aryani Tribudhi Debbie Aryani Tribudhi Debble Aryani Tribudhi Della Yesica Rani Dewandaru, Ginanjar Dewi Eva Kiranti Dewi Eva Kiranti Dewi Murtiningsih Dewi Tamala DIAH ISKANDAR Dian Sugiarti Dian Sugiarti Dian Sugiarti Dian Sugiarti Diani, Treska Melsa Dini Hariyanti Dinna Miftakhul Jannah Divina Mahardika Dewi Doktoralina, Caturida Meiwanto Eko Widianarko Kusnadi Emilia Lestari Eneng Fitri Zakiyah Erik Nugraha Erik Nugraha Erik Nugraha Erik Nugraha Erna Setiany Ery Yohana Matoenji Evi Aryani Evi Margoretty Silalahi Fadhil Muntashir Jihad Fauziah, Ulfah Nurillahi Febrina Mahliza Fiki Wahyu Kuncoro Firdayetti, Firdayetti Fitri Indriawati Gal, Timea Ginanjar Dewandaru Hari Setiyawati Harnovinsah Harnovinsah Hawadinar, Putri Rafisawati Herda Nezzim Bararah Hida Hiyanti Hidayat, R Nur Hidayat, Sutan Emir Hiyanti, Hida Igorevna, Volkhonova Mariya Ildiko, Orban Indria Fitri Afiyana Irawan, Syahril Ishak, Budhi Pribadhi Islami, Wardah Istianah Istianah J Ferdinand Pardede Jogo Boro, Brechmans Aditia Joko Pramono Khosyarina, Qhori Kuncoro, Fiki Wahyu Lailatul Barokah Lawe Anasta Lawe Anasta Lestari, Laely Puji Lin Oktris Mahardika, Galang Prakarti Mahroji Mappayunki, Ratna Marfatah, Muhammad Ramadhani Maria Maria Mariyam Chairunisa Mastur, Akhmad Amien Mastur, Akhmad Amien Medianto Suryo Meryem Afoukane Milawati Mohamad Rohadi Mor, Surender Muchlis Muchlis Mudita, Mudita Muhammad Harun Sukarno Muhammad Ramadhani Marfatah Muhammad, Zikri Mukarramah, Makkatul Mulyani, Susi Dwi Naga Chiputra Najuah, Najuah Nasution, Annio Indah Lestari Natasha Putri Bahari Nugraha, Erik Nugroho, Muchamad Aqil Nuraeni, Intan Nuraini Chaniago, Nuraini Nurhasanah Nurhidajat, Raden Nurlinayanti, Leni Nurlinayanti, ⁠Leni Nurul Anisa Nurul Hidayah Nurul Hidayah NURUL HIDAYAH Pamungkas, Ragil Asih Prabantoro, Albertus Magnus Putut Pratiwi, Futri Alif Prinoti Prinoti Purwati Purwati Puspita, Okta Putra, Irwansyah Putri Nadia Stepani Putri, Tiara Herawati Rachman, Khairul Arief Rahmawati, Sofiyah Dwi Ramdani, Muhammad Rifqi Refranisa, Refranisa Reni Mayerni Rhenaldy Rhenaldy Rimi Guslinana Mais Riska, Mila Riyadi, Yongki Rizki , Mochamad Rizki Briandana Rizkiyanti, Dewi Rohim, Aprillia Fajar Roikhan Machamad Aziz Roikhan Mochamad Aziz, Roikhan Mochamad Ronny Andesto Sabila, Nurahma Safitri, Yolanda Saidah, Fauziah Nur Salmi Mohd Isa Salsabila, Aura Qirani Salsabilah, Sarah Sarah Salsabilah Sari, Apri Lynia Setiawan, Audita Setiyanto Priyonggo Shaifull Anuar, Ahmad SHOLIHAH, AMINATUS Siti Nur Alfiyah Siti Nurrohmah Soeharjoto Soeharjoto Soeharjoto Soekapdjo Soeharjoto Soekapdjo Soeharjoto, Soeharjoto Sugeng Santoso Sugeng Santoso Sukarmi Sukarmi Sukarmi Sukarmi, Sukarmi Sukarno, Muhammad Harun Surender Mor Syarifuddin Mabe Parenreng Syed Lutful Kabir Chowdhury Tatik Mariyanti, Tatik Tengku Chandra Husnadi Tettet Fitijanti Tettet Fitrijanti Tettet Fitrijanti Tettet Fitrijanti Tettet Fitrijanti, Tettet Tia Fitriyani Timea Gal Tri Wahyono Tribudhi, Debble Aryani Ulfa Ulfa Volkhonova Mariya Igorevna Waluyo Widya Aryanti Widya Aryanti, Widya Wieta Chairunesia Wiwik Utami Wiwin Sukiati Yananto Mihadi Putra Yolanda Safitri Yosafat Fantony Yosafat Fantony Yosi Mardoni Yusoff, Yusliza Mohd Zakaria Bahari Zakaria Bahari Zuha Rosufila Zulfahmi Zulfahmi Zulfahmi Zulfahmi Zulfahmi Zulfahmi Zulfahmi