{"title":"Identifikasi Risiko Operasional Berdasarkan Perilaku pada Karyawan Pembiayaan (Studi Kasus: Bank BNI Syariah cabang Yogyakarta)","authors":"N. Setyawati","doi":"10.56174/pjieb.v3i1.78","DOIUrl":"https://doi.org/10.56174/pjieb.v3i1.78","url":null,"abstract":"ABSTRAK \u0000Kajian ini ditulis ulang secara parsial berdasarkan penelitian Setyawati, R Partadiredja (2016) yang bertujuan untuk mengidentifikasi risiko operasional berdasarkan perilaku pada karyawan pembiayaan Bank BNI Syariah Cabang Yogyakarta. Kajian ini menggunakan populasi dari karyawan pembiayaan. Data kajian ini dikumpulkan melalui kuisioner berdasarkan alat tes perilaku DISC yang terdiri dari 24 pernyataan yang kemudian dianalisis secara kualitatif. Hasil kajian menunjukkan terdapat 3 kategori perilaku yang dapat diidentifikasikan dengan respon risiko, yaitu Compliance -Accept, Influence-Sharing dan Dominance-Mitigate pada karyawan pembiayaan Bank BNI Syariah Cabang Yogyakarta. Manfaat kajian ini bagi perusahaan adalah dapat digunakan sebagai dasar kebijakan pengembangan sumber daya manusia di bidang pembiayaan syariah terkait penilaian kinerja yang berbasis pada perilaku. Kajian identifikasi risiko yang didasarkan pada perilaku mengacu pada konsep behavioral risk management. Kebaruan dalam kajian ini adalah penggunaan analisis kualitatif sebagai dasar identifikasi risiko operasional di bidang pembiayaan syariah khususnya pada perilaku karyawan yang merupakan salah satu faktor proses internal yang dapat menyebabkan pembiayaan bermasalah. Kerangka konseptual dalam kajian ini diadopsi dari Peraturan Bank Indonesia No. 13/23/PBI/2011 2 November 2011 tentang Penerapan Manajemen Risiko pada Bank Umum Syariah dan Unit Usaha Syariah yang mencakup proses identifikasi, pengukuran, pemantauan, dan pengendalian risiko yang memadai. dan sistem informasi manajemen risiko. Elemen terakhir, pemantauan/monitoring dan pengendalian/kontrol tidak digunakan dalam kajian, karena hanya membatasi pada proses identifikasi dan pengukuran risiko saja. \u0000 \u0000Kata Kunci: Risiko Operasional, Manajemen Risiko Perilaku, Karyawan Pembiayaan Bank Syariah","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"15 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125403024","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Sentiment Analysis: Halal Approval based on Scopus Indexed Literature","authors":"Siti Annisa Satifa, Abdullah Haidar","doi":"10.56174/pjieb.v3i1.74","DOIUrl":"https://doi.org/10.56174/pjieb.v3i1.74","url":null,"abstract":"The aim of the paper was to ascertain the people's view of the authenticity of Muslim consumers. The approach used is descriptive data analysis combined with meta and viewpoint collected from secondary data in the form of communications data from 157 citations in social sciences scientific papers respectively 2005 and 2022, which were processed using the Microsoft Excel program 2019 and Specifying the appropriate information. According to the sentiment analysis results, expert opinions on halal authentication vary, with positive sentiment accounting for 40.8%, negative sentiment accounting for 26.6%, and neutral sentiment accounting for 30.6%. The findings indicate an increase in scholarly research on halal authentication. Furthermore, this research reveals that working with formal halal standards and innovation capable of verifying and supporting this certificate of completion will ensure compliance with Islamic law and build consumer trust, assisting in the implementation of the Islamic Economic Masterplan 2019-2024, explicitly establishing Indonesia as a producer of world halal products by accelerating sharia economic growth.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"130804899","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Azhar Alam, S. Herianingrum, M. N. H. Ryandono, Nur Puji Rohmawati
{"title":"The Role of Islamic Investment Ethics in Preventing Fraudulent Investments","authors":"Azhar Alam, S. Herianingrum, M. N. H. Ryandono, Nur Puji Rohmawati","doi":"10.56174/pjieb.v3i1.81","DOIUrl":"https://doi.org/10.56174/pjieb.v3i1.81","url":null,"abstract":"The case of bulging investment is still rife and causes losses for investors. This study aims to determine the role of Islamic investment ethics in preventing investment based on theoretical studies through a literature review and reinforced by the opinions of religious experts, investment experts, and law enforcement staff. This study used a descriptive qualitative approach using primary data from theoretical studies from various literature sources and interviews with ten people, including religious and investment experts. Moreover, The results show that the role of Islamic investment ethics in preventing investments such as staying away from riba, gharar, and maysir, using the principle \"Al-Ghunm bi Al-Ghurm,\" which means the profit or income obtained is balanced with the losses incurred and uses the principle of prudence in making investments. This study provides advice on the need for education for the community related to investments related to riba, gharar, maysir, and the harmony between risk and profit, and the need for the principle of prudence before making investments that there is no case of bulging investment.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"87 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2023-01-31","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"115980285","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Analisis Ketertarikan Wakaf Generasi Muda dengan Teknologi Acceptance Model","authors":"Putri Ramadhanty Ningtias, Prameswara Samofa Nadya","doi":"10.56174/pjieb.v2i2.55","DOIUrl":"https://doi.org/10.56174/pjieb.v2i2.55","url":null,"abstract":"Based on CAF World Giving Index 2021, Indonesia is the most generous country in the world, with the highest donor index. Supported by a high number of Moslems, there is a high potential for growth of Islamic philanthropy. Waqf as a form of Islamic philanthropy is currently still underdeveloped. One of the contributing factors is the lack of socialization. The purpose of this study was to analyze the interests of generations Y and Z both as a donator of berkahwakaf.id site with a technology acceptance model (TAM) approach. This research design uses associative research with a quantitative approach using data of 100 respondents as sample, analyzed with PLS method. The results showed that perceived benefits had a significant positive effect on interest, while user convenience had a significant negative effect on interest. Attitude has a significant positive effect on interest, usefulness has a positive effect on attitudes, while user convenience has a significant negative effect.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"4 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"129544040","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Religiusitas, Kualitas Layanan, dan Promosi Terhadap Minat Menabung di Bank Syariah","authors":"Hilmi Musyaffa, Muhammad Iqbal","doi":"10.56174/pjieb.v2i2.61","DOIUrl":"https://doi.org/10.56174/pjieb.v2i2.61","url":null,"abstract":"This study aims to analyze the effect of religiosity, service quality, and promotion on interest in saving in Islamic banks. The research uses a quantitative approach with multiple linear regression analysis techniques as the data analysis method. Data collection using purposive sampling technique with a Muslim population domiciled in Central Jakarta. The results obtained from this study show that religiosity and service quality do not affect interest in saving, while promotion affects interest in saving. The religiosity of a Muslim does not affect the person's interest in saving in Islamic banks. Likewise, the quality of services from Islamic banks does not determine a Muslim's interest in saving. Promotion is the only factor in this study that encourages a Muslim's interest in saving in Islamic banks. The high promotion of a Muslim about Islamic banking will increase that person's interest in saving in Islamic banks. \u0000 \u0000Keywords: Religiosity, Service quality, Promotion, Interest in saving","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"1 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"131154622","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Sertifikasi Halal, Harga dan Brand Ambassador Terhadap Keputusan Pembelian Produk Skincare Wardah di Jakarta","authors":"Atika Amalia, Markonah Markonah","doi":"10.56174/pjieb.v2i2.49","DOIUrl":"https://doi.org/10.56174/pjieb.v2i2.49","url":null,"abstract":"ABSTRAK \u0000Tujuan dari penelitian ini adalah untuk menganalisis pengaruh dari sertifikasi halal, harga dan brand ambassador terhadap keputusan pembelian produk skincare Wardah di Jakarta. Teknik sampling yang digunakan dalam penelitian ini adalah non probability sampling dengan pengambilan sampel accidental sampling sebanyak 100 responden. Metode analisis data yang digunakan dalam penelitian ini adalah uji parameter regresi dengan regresi linear berganda. Hasil penelitian menunjukkan bahwa ada pengaruh harga dan brand ambassador terhadap keputusan pembelian produk skincare Wardah di Jakarta namun sertifikasi halal tidak berpengaruh terhadap keputusan pembelian produk skincare Wardah di Jakarta. Rekomendasi penulis untuk penlitian selanjutnya diharapkan mampu menambah jumlah sampel penelitian dan mengembangkan variabel independen selain sertifikasi halal, harga dan brand ambassador. \u0000Kata kunci : sertifikasi halal, harga, brand ambassador, Wardah, keputusan pembelian. \u0000","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"18 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"124356778","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
Mhd Primadona, Isnaini Harahap, Rahmat Daim Harahap
{"title":"Pengaruh Pertumbuhan Ekonomi, Inflasi, dan Nilai Tukar Terhadap Indeks Saham Syariah Indonesia (ISSI)","authors":"Mhd Primadona, Isnaini Harahap, Rahmat Daim Harahap","doi":"10.56174/pjieb.v2i2.46","DOIUrl":"https://doi.org/10.56174/pjieb.v2i2.46","url":null,"abstract":"Indeks Saham Syariah Indonesia (ISSI) merupakan indeks pasar modal yang diterbitkan oleh Bapepam-LK sebagai regulator yang berwenang dan bekerjasama dengan Dewan Syariah Nasional Majelis Ulama Indonesia (DSN-MUI) pada tanggal 12 Mei 2011. Pergerakan Indeks Saham Syariah Indonesia dipengaruh oleh faktor mikro dan makro ekonomi. Penelitian ini bertujuan untuk mengetahui pengaruh pertumbuhan ekonomi, inflasi dan nilai tukar terhadap Indeks Saham Syariah Indonesia (ISSI). Penelitian ini merupakan penelitian kuantitatif dengan menggunakan data sekunder dari laporan tahunan variabel- variabel terkait. Sampel penelitian diambil dari akhir periode 2015 sampai 2019, dengan total sampel sebanyak 49. Dalam penelitian ini, sampel dipilih dengan menggunakan sampel jenuh dan datanya dianalisis menggunakan program Eviews 10 dengan model regresi linier berganda. Hasil penelitian menunjukkan bahwa Pertumbuhan Ekonomi berpengaruh secara positif dan signifikan terhadap Indeks Saham Syariah Indonesia, Inflasi tidak berpengaruh terhadap Indeks Saham Syariah Indonesia dan nilai tukar tidak berpengaruh terhadap Indeks Saham Syariah Indonesia. secara simultan ketiga variabel independen berpengaruh secara positif dan signifikan terhadap Indeks Saham Syariah Indonesia dengan nilai probabilitas Fhitung > Ftabel 62.42204 > 2.812. Seluruh variabel pada penelitian ini memiliki koefisien determinasi Adjusted R-Square sebesar 0.793341.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"25 2 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"122458065","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Apakah Kredit Perbankan Berpengaruh pada Performa Bank Syariah di Indonesia?","authors":"Mochamad Dandy Hadi Saputra","doi":"10.56174/pjieb.v2i2.53","DOIUrl":"https://doi.org/10.56174/pjieb.v2i2.53","url":null,"abstract":"Sistem perbankan syariah memiliki perbedaan dengan sistem perbankan konvensional yang berlaku di Indonesia dan di dunia secara umum. Perbedaan sistem ini disebabkan oleh perbankan syariah yang menerapkan syariat islam sebagai dasar penyelenggaraan perbankan, salah satunya dalam hal penyaluran pinjaman/kredit. Dalam penelitian ini akan dikaji mengenai bagaimana pengaruh dari kredit yang dilakukan oleh perbankan umum pada performa dari perbankan syariah dalam jangka panjang beserta bagaimana proporsi pengaruh dan pengaruh guncangan pada varaibel penelitian di waktu ayng akan datang. Penelitian ini menggunakan analisis vector error correction model dengan variabel berupa return on asset sebagai indikator performa dan non-performing loan serta proporsi kredit perbankan sebagai indicator kredit perbankan umum. Hasil dari penelitian ini menunjukkan bahwa indicator NPL dan alokasi kredit berpengaruh negative dalam jangka panjang. Selain itu, variabel kredit perbankan umum juga memiliki proporsi pengaruh yang berbeda dalam analisis prediksi melalui impulse responses dan variance decomposition. Penelitian selanjutnya disarankan untuk menguji bagaimana perbandingan pengaruh yang diberikan oleh risiko kredit pada perbankan konvensional dan perbankan syariah.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"58 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-08-23","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"120936264","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Religiusitas, Transaksi Murabahah dan Emosional Terhadap Keputusan Menggunakan Jasa Perbankan Syariah (Studi Kasus Pada Dosen UNU Sumatera Barat)","authors":"Iim Imtihan","doi":"10.56174/pjieb.v2i1.29","DOIUrl":"https://doi.org/10.56174/pjieb.v2i1.29","url":null,"abstract":"Penelitian ini bertujuan untuk menganalisis pengaruh Religiusitas, Transaksi Murabahah dan Emosional terhadap Keputusan menggunakan Jasa Perbankan Syariah (Studi Kasus pada Dosen UNU Sumatera Barat). Jenis penelitian ini adalah penelitian kausatif yang melihat pengaruh antara variabel dalam penelitian. Penentuan jumlah sampel menggunakan teknik Purposive Sampling dengan jumlah sampel sebanyak 50 responden. Analisis data yang digunakan adalah Analisis Regresi Linear Berganda dengan bantuan program SPSS. Hasil penelitian menunjukkan bahwa (1) Religiusitas berpengaruh positif dan signifikan terhadap keputusan dosen UNU Sumatera Barat dalam menggunakan jasa perbankan syariah; (2) Transaksi Murabahah berpengaruh negatif dan signifikan terhadap keputusan dosen UNU Sumatera Barat dalam menggunakan jasa perbankan syariah; (3) Emosional berpengaruh positif dan signifikan terhadap keputusan dosen UNU Sumatera Barat dalam menggunakan jasa perbankan syariah.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"26 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"125841224","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}
{"title":"Pengaruh Jumlah Uang Beredar dan Bagi Hasil Terhadap Dana Pihak Ketiga Bank Umum Syariah di Indonesia","authors":"Fadli Setiawan","doi":"10.56174/pjieb.v2i1.21","DOIUrl":"https://doi.org/10.56174/pjieb.v2i1.21","url":null,"abstract":"Penelitian ini bertujuan unutuk mengetahui bagimana pengaruh dari jumlah uang beredar dan tingkat bagi hasil terhadap dana pihak ketiga bank umum syariah di Indonesia. Populasi dalam penelitian ini adalah bank umum syariah di Indonesia. Sampel dari penelitian ini berjumlah 12 bank umum syariah. Periode pengambilan sampel dari tahun 2019-2020. Variabel dependen yang digunakan dalam penelitian ini adalah dana pihak ketiga dan variabel independen adalah jumlah uang beredar dan tingkat bagi hasil. Penelitian ini bersifat kuatitatif dengan teknik analisis regresi liner berganda meggunakan aplikasi pengolahan data IBM-SPSS Statistik 26. Hasil penelitian menunjukan bahwa secara parsial jumlah uang beredar berpengaruh signifikan terhadap dana pihak ketiga, sedangkan variabel bagi hasil tidak berpengaruh signifikan terhadap dana pihak ketiga. Secara simultan variabel jumlah uang beredar dan bagi hasil berpengaruh signifikan terhadap dana pihak ketiga.","PeriodicalId":413696,"journal":{"name":"Perbanas Journal of Islamic Economics and Business","volume":"43 11 1","pages":"0"},"PeriodicalIF":0.0,"publicationDate":"2022-02-01","publicationTypes":"Journal Article","fieldsOfStudy":null,"isOpenAccess":false,"openAccessPdf":"","citationCount":null,"resultStr":null,"platform":"Semanticscholar","paperid":"134399203","PeriodicalName":null,"FirstCategoryId":null,"ListUrlMain":null,"RegionNum":0,"RegionCategory":"","ArticlePicture":[],"TitleCN":null,"AbstractTextCN":null,"PMCID":"","EPubDate":null,"PubModel":null,"JCR":null,"JCRName":null,"Score":null,"Total":0}