Article Per Year (5 Year)
p-Index From 2020 - 2025
1.642
P-Index
This Author published in this journals
All Journal JAM : Jurnal Aplikasi Manajemen Ikonomika : Jurnal Ekonomi dan Bisnis Islam IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Khazanah Hukum International Journal of Islamic Khazanah Jurnal Ekonomi Jurnal of Applied Business and Banking (JABB)
Mas’ud, Riduan
Unknown Affiliation
Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Law, Crime, Criminology & Criminal Justice Public Health Social Sciences

Published : 9 Documents Claim Missing Document
Claim Missing Document
Check
Articles

Found 9 Documents
Search

 1 
PENGARUH KEPEMILIKAN MANAJERIAL, KEPEMILIKAN INSTITUSIONAL, DEWAN KOMISARIS INDEPENDEN, DAN KOMITE AUDIT TERHADAP ROE PERUSAHAAN SEKTOR KEUANGAN YANG TERDAFTAR DI BURSA EFEK INDONESIA PERIODE 2019-2021 Jihan, Annisa Sekar; Ramadani, Lalu Ahmad; Mas’ud, Riduan
JOURNAL of APPLIED BUSINESS and BANKING (JABB) Vol 4, No 2 (2023): November
Publisher : UNIVERSITAS MUHAMMADIYAH MATARAM

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31764/jabb.v4i2.20029

Abstract

Tujuan dari penelitian ini adalah untuk mengkaji hubungan kepemilikan manajerial, kepemilikan institusional, dewan komisaris independen, dan komite audit terhadap ROE perusahaan. Populasi pada penelitian ini adalah perusahaan sektor keuangan yang terdaftar di Bursa Efek Indonesia (BEI) periode 2019-2021. Sampel yang digunakan sebanyak 72 sampel dengan metode purposive sampling dan dianalisis dengan regresi linier berganda. Hasil dari penelitian ini menunjukkan bahwa variabel kepemilikan manajerial, Kepemilikan institusional dan komite audit secara parsial berpengaruh signifikan terhadap ROE. sedangkan. Dewan komisaris independen secara parsial tidak berpengaruh signifikan terhadap ROE. 
Sharia Microfinance Institutions' (SMIs) Resilience To Technological Disruption: Innovative Ecosystem Approaches On Lombok Island Mas’ud, Riduan; Rifa'i, Khamdan; Fachrozi, Fachrozi; Fauzan, Fauzan
Jurnal Ekonomi Vol. 13 No. 03 (2024): Jurnal Ekonomi, Edition July -September 2024
Publisher : SEAN Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar

Abstract

This research explores the resilience of Sharia Microfinance Institutions (LKMS) on Lombok Island in facing the era of technological disruption. Using a qualitative approach with a case study method, this research focuses on technology adaptation and the implementation of an innovative ecosystem model that involves collaboration with fintech, educational institutions and local governments. The research results show that despite facing challenges such as limited technological infrastructure, high implementation costs, and resistance to change, LKMS in Lombok succeeded in increasing operational efficiency and expanding access to financial services through digital technology. Collaboration with fintech allows LKMS to access modern technology at more affordable costs, while collaboration with educational institutions and local governments helps increase literacy and public acceptance of digital services. This research concludes that innovation and collaboration are the keys to the success of LKMS in maintaining their relevance and positive contribution to financial inclusion and poverty alleviation in the digital era. These findings provide practical guidance for MFIs in other regions to adopt similar strategies to improve their operational resilience and effectiveness.
The Role of Legal and Regulatory Frameworks for Sharia-Compliant Financing in Promoting Innovation and Quality Enhancement in Indonesia's Halal Industry Mas’ud, Riduan; Muwazir, Mohd Rizal
Khazanah Hukum Vol. 7 No. 2 (2025): Khazanah Hukum
Publisher : UIN Sunan Gunung Djati

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/kh.v7i2.43440

Abstract

Indonesia’s halal industry is experiencing rapid growth, driven by increasing consumer demand for products that comply with both sharia principles and global quality standards. This study examines the role of legal and regulatory frameworks governing sharia-compliant financing in supporting innovation and improving product quality within the halal sector. Using a qualitative research design with a descriptive-analytical approach, data were collected from 15 experts in Islamic finance, economic law, and halal business practices. The findings reveal that legal instruments—such as the Sharia Banking Law, regulations issued by the Financial Services Authority (OJK), and policies from the National Committee for Islamic Economy and Finance (KNEKS)—provide a legal foundation that facilitates ethical and inclusive access to capital. These frameworks contribute to the development of an innovative and competitive halal industry. However, challenges remain, including regulatory overlaps, weak enforcement mechanisms, and limited harmonization between central and regional regulations. The study concludes by recommending regulatory reforms and institutional strengthening to optimize the legal contribution to the sustainable growth of Indonesia’s halal industry.
PENGARUH TEKNOLOGI KEUANGAN DAN KUALITAS LAYANAN DIGITAL TERHADAP KEPUASAN NASABAH PADA BANK SYARIAH INDONESIA KCP MASBAGIK Yolanda, Vina; Mas’ud, Riduan; Hasanah, Shofia Mauizotun
IQTISHADUNA: Jurnal Ekonomi dan Keuangan Islam Vol. 13 No. 1 (2022): IQTISHADUNA: JURNAL EKONOMI DAN KEUANGAN ISLAM
Publisher : Universitas Islam Negeri Mataram

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.20414/iqtishaduna.v13i1.5373

Abstract

This study aims to determine the effect of financial technology and digital service quality at BankSyariah Indonesia KCP Masbagik on customer satisfaction either partially or simultaneously. Andwhat is used in this study is primary data obtained directly from the answers of 100 respondentswho are customers of Bank Syariah Indonesia KCP Masbagik who use digital service facilitiessuch as BSI Mobile, BSI Internet Banking, BSI SMS Banking, and ATM. The analytical methodused is multiple linear regression analysis method. The results show that (1) the significance levelof the financial technology variable (X1) is 0.097, which is smaller than = 0.1. So it can beconcluded that Ho is rejected and Ha is accepted, which means that the financial technologyvariable (X1) has a significant effect on customer satisfaction. (2) the level of significance of thedigital service quality variable (X2) is 0.006 which is smaller than = 0.1. So it can be concludedthat Ho is rejected and Ha is accepted, which means that the digital service quality variable (X2)has a significant effect on customer satisfaction. (3) the acquisition of the Fcount value of 8.789with a Sig value of 0.000. Which hereby indicates that the value of Fcount is greater than thevalue of Ftable and the value of Sig is less than 0.1. It can be concluded that Ho is rejected andHa is accepted. This shows that financial technology and digital service quality together have asignificant influence on customer satisfaction. (4) the value of R2 (R Square) is 0.625 or 62.5%.These results show that the influence of financial technology and digital service quality oncustomer satisfaction is 62.5%. So it can be concluded that the independent variable used in thismodel is able to explain the dependent variable of 62.5%. While the remaining 37.5% isinfluenced by other variables that are not included in this research model
CREDIT RISK MANAGEMENT CONTROL ON SME SEGMENT: STUDY CASE OF XYZ BANK BRANCH SURABAYA Mayasari, Ludmila; Harianto, Eric; Mas’ud, Riduan; Albazi, Uzair; Nursaid, Nursaid
Jurnal Aplikasi Manajemen Vol. 20 No. 2 (2022)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2022.020.02.17

Abstract

The study is conducted to explain the suitability of credit risk control management to minimize the non-performing loans at XYZ Bank Branch Surabaya as stipulated by the Basel Accord Committee in Financial Services Authority Regulation No. 18/PJOK.03/2016 about the Implementation of Risk Management for Commercial Banks. Based on the Basel III guidelines, credit risk management includes seven mechanisms. The seven mechanisms are the policy framework, credit risk rating framework, credit risk limits, credit risk modeling, credit risk mitigation, credit audits, and loan review mechanisms. The study uses a qualitative study by the case study approach. The results showed that the control of credit risk management implemented by Bank XYZ Surabaya Branch to minimize non-performing loans to individual debtors in the SME segment had not run effectively. It was primarily about the evaluation of credit risk, which led to the emergence of a new set of risks such as errors in credit risk evaluation, target market losses and ineffective allocation of loan funds, and inadequate strategies for collecting net credit to customers. The study also provides several recommendations for credit risk management as the strategy to reduce the risk of lending to individual debtors in the SME segment at XYZ Bank Branch Surabaya.
ASSESSING THE EFFECT OF ONLINE LEARNING SERVICE QUALITY ON CUSTOMER RETENTION THROUGH CUSTOMER SATISFACTION AS MEDIATION VARIABLE IN THE CULINARY STUDY PROGRAM BACHELOR DEGREE DURING THE COVID-19 PANDEMIC Leoparjo, Fabiola; Harianto, Eric; Mas’ud, Riduan; Ilyas, Gunawan Bata; Hasanah, Yulia Nur
Jurnal Aplikasi Manajemen Vol. 21 No. 2 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.02.20

Abstract

This quantitative study explores the relationship between online learning service quality, customer satisfaction, and customer retention in the Culinary Study Program during the Covid-19 pandemic. Using data from 217 students in a private university, specifically in Surabaya. The analysis employed in this study is Partial Least Squares Structural Equation Modeling (PLS-SEM) to examine the relationship between the research variables, including the measurement model (outer model) for validity and reliability testing, and the structural model (inner model) for hypothesis testing and mediation analysis. The research reveals a significant direct effect of online learning service quality on customer satisfaction. Higher levels of service quality positively impact customer satisfaction, aligning with previous research in e-learning contexts. Additionally, the study establishes a significant indirect effect of online learning service quality on customer retention through customer satisfaction as a mediation variable. Higher customer satisfaction levels lead to increased customer retention in the Culinary Study Program. These findings offer insights for educational institutions to enhance service quality and customer satisfaction, focusing on dimensions such as content, system functionality, and interaction quality. Implementing strategies to prioritize student satisfaction can improve online learning effectiveness during challenging times like the Covid-19 pandemic. Overall, this study contributes to the knowledge of online learning service quality, customer satisfaction, and customer retention, emphasizing the importance of high-quality online learning experiences for student satisfaction and retention in the Culinary Study Program during the Covid-19 pandemic.
DOES DIGITAL MARKETING BASED ON BRAND IMAGE AND BRAND TRUST AFFECT PURCHASE DECISIONS IN THE FASHION INDUSTRY 4.0? Ilmi, Sayyidah Hafidhatul; Harianto, Eric; Mas’ud, Riduan; Azizurrohman, Muhammad
Jurnal Aplikasi Manajemen Vol. 21 No. 3 (2023)
Publisher : Universitas Brawijaya, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.21776/ub.jam.2023.021.03.01

Abstract

Factors forming purchasing decisions are important for companies to analyze to be sustainable in rapid technological developments. The rapid development of technology is followed by e-commerce in Indonesia, which results in increasingly fierce competition between competitors. This study aims to analyze and examine the impact of digital marketing on brand trust and brand image that influence the purchase decision of Mirrorplus.id products. Data collection uses quantitative methods by distributing questionnaire to Mirrorplus.id consumers. The study was conducted from July 2021 to January 2022. The sampling technique used purposive sampling with several criteria and 139 respondents. The data analysis technique used SEM-PLS with the help of SmartPLS 3.2.9. The results of the study yield several conclu­sions, namely, digital marketing has a significant and positive effect on brand image and brand trust, brand image does not have a significant but positive effect on purchasing decisions, and brand trust has a significant and positive effect on purchasing decisions. The implication that will be carried out is to carry out a market penetration and product development strategy. Market penetration can be done by adding promotion and marketing costs to Mirror­plus.id digital media. Some steps can be taken are collaborating with several influencers, where influencers can spread the Mirrorplus.id brand by explain­ing product functions and values.
THE CONCEPT OF WEALTH IN ISLAM PERSPECTIVE OF THE WORD MAL VERSION OF THE MINISTRY OF RELIGION OF THE REPUBLIC OF INDONESIA IN THE QUR'AN AND ITS TAFSIR Hamim, Khairul; Mas’ud, Riduan
International Journal of Islamic Khazanah Vol. 9 No. 2 (2019): IJIK
Publisher : UIN Sunan Gunung Djati Bandung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.15575/ijik.v9i2.19679

Abstract

Wealth in Arabic is called mal (mufrad) amwal (jama'). This word with its various derivations is repeated 86 times in 38 surahs in the Qur'an. Wealth is an important part of life that cannot be separated and is always sought to be achieved and owned by humans. For this reason, a clear explanation is needed that can be accepted by all parties. This study uses an interpretation research method by analyzing the word Mal in the version of the Indonesian Ministry of Religion in the Qur'an and its Tafsir. This study formulates that property is everything that is owned in the form of material and can be used to support life (wasilah al-hayah), such as housing, vehicles, equipment, gold, silver, land, animals, even in the form of money, and has value. for the human view.
Islamic Banks in the Digital Age : Balancing Innovation with Sharia Principles Afdawaiza, Afdawaiza; Mas’ud, Riduan; Manulandong, Shahid Q.
IKONOMIKA Vol 9, No 1 (2024)
Publisher : Universitas Islam Negeri Raden Intan Lampung

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24042/ijebi.v9i1.24912

Abstract

As digital technologies evolve at an unprecedented pace, Islamic banks face the dual challenge of embracing innovation while maintaining strict adherence to Sharia principles. This article examines the strategies employed by Islamic banks to balance technological advancements with Sharia compliance, focusing on the integration of digital tools such as blockchain, artificial intelligence, and mobile banking. Through a review of current practices and case studies, this study identifies key factors that enable Islamic banks to innovate without compromising their ethical and religious obligations. The analysis highlights the potential benefits of digital transformation, including enhanced customer engagement, improved operational efficiency, and greater financial inclusion, while also addressing the risks associated with technological adoption, such as regulatory challenges and ensuring Sharia compliance in a rapidly changing digital landscape. The findings underscore the importance of a thoughtful, collaborative approach among technologists, Sharia scholars, and regulators to enable Islamic banks to navigate the digital age successfully. Achieving this balance is vital not only for maintaining competitiveness but also for upholding the integrity of Islamic finance.
Co-Authors Afdawaiza Afdawaiza, Afdawaiza Albazi, Uzair Azizurrohman, Muhammad Eric Harianto Fabiola Leoparjo FACHROZI. F Fauzan . hasanah, shofia mauizotun Ilmi, Sayyidah Hafidhatul Ilyas, Gunawan Bata Jihan, Annisa Sekar Khairul Hamim Manulandong, Shahid Q. Mayasari, Ludmila Mohd Rizal Muwazir, Mohd Rizal Nursaid Ramadani, Lalu Ahmad Rifa'i, Khamdan Yolanda, Vina Yulia Nur Hasanah