Daya Tarik E-Banking di Kalangan Civitas Akademika Institut Agama Islam Negeri Samarinda

Electronic banking (E-Banking) adalah salah satu aktivitas perbankan yang dilakukan nasabahnya melalui fasilitas internet. Cara ini diciptakan oleh bank untuk melayani kebutuhan nasabah agar lebih nyaman bertransaksi dimanapun mereka berada. E-Banking memberikan kemudahan dan kenyamanan kepada nasabahnya dengan fasilitas pelayanan pembayaran melalui saluran elektronik, Seperti melalui transfer rekening dan auto debet. Cara ini cukup efektif dan efisien mengingat masyarakat semakin disibukkan dengan segala aktivitasnyaTujuan penelitian ini yaitu mengetahui sejauh mana daya tarik civitas akademika IAIN Samarinda dalam menggunakan E-Banking dan faktor dominan yang membuat civitas akademika IAIN Samarinda menggunakan E-Banking. Jenis penelitian dalam penelitian ini adalah jenis penelitian deskriptif, Sampel penelitian bersifat purposive sampling, jumlah sampel yang berhasil dihimpun yaitu 173 responden.Daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, berdasarkan hasil jawaban identitas responden mayoritas menggunakan aplikasi ATM, hampir 120 responden yang menggunakannya. Sedangkan, pilihan bank sebesar 61% menggunakan bank konvensional. Frekuensi penggunaan aplikasi E-Banking 1-4 kali dalam sebulan dan mayoritas responden berumur 17-30 tahun. Enam variabel yang ada, tiga diantaranya yaitu Interaction, Accessibility, dan Adequacy of Indormation responden menjawab sangat setuju dan setuju dari pertanyaan yang diajukan.Faktor yang mendominasi daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda, yaitu pertama: Interaction sebesar 29%, kedua: Accessibility sebesar 27% dan ketiga: Adequacy of Indormation sebesar 13%. Dapat peneliti tarik kesimpulan, faktor dominan daya tarik penggunaan E-Banking di kalangan civitas akademika IAIN Samarinda dipengaruhi tiga aspek tersebut

Pengaruh Kualitas Penerapan Good Corporate Governance (GCG) Terhadap Kinerja Keuangan Pada Bank Umum Syariah Di Indonesia (Periode 2010-2015)

The purpose of this study to determine the effect of the application of Good Corporate Governance (GCG) on financial performance as measured by the ratio of Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Return on Assets (ROA), Return on Equity (ROE), Net Income Margin (NIM), Financing Deposits ratio (FDR), and the ratio of Operating Expenses and Operating Income (ROA) at the Islamic Banks. The study population was the whole Islamic Banks that have implemented GCG according to the rules of Bank Indonesia. This research is associative to see the relationship between the variables of one another. The data used are secondary data from the annual report and corporate governance report published by respectively Islamic Banks 2010-2016 period. Samples collected are 10 Islamic banks by the number N = 60. The results showed that the application of GCG is based on data collected had an average of 1:55 to 2:20 that enter into the category of "Good". This means that the quality of GCG implementation in accordance with the BUS 11 indicators that have been set by Bank Indonesia. The results of the t test (partial test) showed that the quality of GCG implementation significant positive effect on the CAR, NPF and ROA. The quality of GCG implementation negatively affects the ROA and ROE significantly. While the statistical test results apparently GCG implementation does not affect the performance ratio of NIM and FDR

Perbandingan Kinerja Perusahaan Dengan Pendekatan Balanced Scorecard Pada BPR Syariah

This research aims to discover the progress of BPRS in Yogyakarta by using balanced scorecard (BSC) approach. BSC is a concept of management that help to translate the company strategy into company activities. There are four aspects to be evaluated in the BSC: financial prospective, consumen, internal business, growth and learning. This research is a descriptive and comparative research. The author conducted fieldwork in two BPRS, which are BPRS Barokah Dana Sejahtera and BPRS Bangun Drajat Warga. The research sampel comprises financial aspect (fi- nancial report of 2012-2014); consumen aspect (400 respondents); growth and learning (69 respondents); and internal bussiness aspect (questioner and interview). There is not much difference between the two BPRS in their financial, consumen, growth and learning, and internal bussiness aspects. Yet, there is differences between the two in their NPF, KPMM, FDR, finance, profit–sharing, and DPK. In a nutshel, the research result shows that BPRS Barokah is greater in its growth thaks to a solid team wor

Studi Kelayakan Bisnis Pendirian Bank Pembiayaan Rakyat Syariah (BPRS) di Kalimantan Timur

The economy of East Kalimantan as a whole is growing rapidly, however, this was not accompanied by the development of a Sharia Rural Bank (BPRS). This study aims to determine the feasibility of establishing a BPRS in East Kalimantan in terms of financial, marketing, social, economic, and cultural aspects as well as to find out which municipalities are feasible to establish BPRS. This type of descriptive qualitative research, the sample used in Balikpapan and Samarinda, the data collection techniques used observation and interviews. The results showed that the financial aspects of the BPRS were feasible to establish. NPV and IRR calculations show that the investment in the establishment of the BPRS is feasible. The market aspect looks at the potential of GRDP, population and purchasing power. The marketing aspect sees the potential growth of SMEs, business fields and the number of SMEs. Market segmentation and the target market for BPRS are SMEs engaged in trade and culinary. The economic aspect has an impact on regional income, the ease in providing cheap funds for SMEs, opens up community jobs. The social and cultural impact of the community being educated about banking. Balikpapan and Samarinda have great potential for the establishment of a BPRS. Samarinda is the most feasible to establish a BPRS

Pengaruh Tingkat Pemahaman Mahasiswa Terhadap Keputusan Memilih Jurusan Ekonomi dan Perbankan Syariah (Studi Perguruan Tinggi di Wilayah Kalimantan Timur)

Pemahaman diartikan juga perihal menguasai, mengerti, atau memahami. Pemahaman merupakan proses berpikir dan belajar, dikatakan demikian karena untuk menuju kearah pemahaman perlu diikuti dengan belajar dan berpikir secara mendalam. Pembelajaran pada fakultas ekonomi dan bisnis Islam harus menghasilkan alumni yang profesional sejalan dengan perkembangan kebutuhan sumber daya insani yang memahami ekonomi Islam dengan baik. Pembelajaran ini dilakukan dengan tujuan menghasilkan lulusan yang berakhlak, profesional, serta memahami dengan baik ilmu ekonomi dan keuangan sesuai dengan ajaran Islam. Tujuan penelitian ini adalah untuk mengetahui sejauh mana tingkat pemahaman mahasiswa terkait Ekonomi Syariah atau Perbankan Syariah di perguruan tinggi wilayah Kalimantan Timur. Mengetahui apakah terdapat pengaruh tingkat pemahaman mahasiwa terhadap keputusan memilih jurusan Ekonomi Syariah atau Perbankan Syariah di perguruan tinggi wilayah Kalimantan Timur. Penelitian ini merupakan penelitian lapangan (field research), dengan pendekatan kuantitatif asosiatif, yaitu statistik yang berfungsi untuk menguji apakah terdapat pengaruh tingkat pemahaman terhadap keputusan memilih jurusan Ekonomi Syariah atau Perbankan Syariah. Sumber data yaitu data primer yang diperoleh langsung dari lapangan, berupa data akademik, data jumlah mahasiswa, hasil kuesioner dan data lain yang sesuai dengan tujuan penelitian. Sampel berjumlah 448 responden, yang tersebar di empat perguruan tinggi yang telah menyelenggarakan program Ekonomi Syariah atau Perbankan Syariah. Variabel independen adalah tingkat pemahaman mahasiswa akan Ekonomi Syariah atau Perbankan Syariah, sedangkan variabel dependen adalah keputusan memilih jurusan ekonomi syariah atau perbankan syariah. Hasil penelitian menunjukkan bahwa tingkat pemahaman berpengaruh positif dan siginifikan (Sig. 0.000) terhadap keputusan mahasiswa memilih jurusan/program studi ekonomi syariah atau perbankan syariah. Hasil uji determinasi menunjukkan hasil R Square yaitu sebesar 0.259, artinya sebesar 25.9% tingkat pemahaman mahasiswa mampu menerangkan atau mempengaruhi keputusan memilih jurusan ekonomi atau perbankan Islam pada perguruan tinggi di Kalimantan Timur, sisanya 74.1% dipengaruhi oleh faktor lainnya yang tidak diteliti pada penelitian ini

Penerapan Good Corporate Governance dalam Pengungkapan Islamic Social Reporting pada Bank Umum Syariah di Indonesia

The implementation of Good Corporate Governance (GCG) should be implemented properly, in order to create a healthy banking according to sharia principles. An important part of the governance structure of the Bank is the board of commissioners, directors, and the sharia supervisory board. This study analyzes the effect of GCG disclosure consisting of the board of commissioners, board of directors and sharia supervisory board on Islamic social reporting in Islamic commercial banks in Indonesia. This type of research is associative quantitative. The research sample consisted of seven (7) Islamic commercial banks in Indonesia, with an observation period of 2014-2019. The data source comes from the annual report and GCG report of each Islamic commercial bank. Disclosure of ISR is carried out by means of a dichotomy, namely "1" if the report is disclosed and "0" if not disclosed. Data analysis using multiple linear regression. Hypothesis testing using the t test, F test, and R Square. The results showed that the variable size of the board of commissioners had no effect on the ISR disclosure. Meanwhile, the variable size of the board of directors and sharia supervisory board affects the ISR disclosure. The quality and competence of the board of directors and the sharia supervisory board determine Islamic banks in implementing good corporate governance.Penerapan Good Corporate Governance (GCG) sudah semestinya diterapkan dengan baik, agar terwujudnya perbankan yang sehat sesuai prinsip syariah. Bagian penting dalam struktur tata kelola Bank adalah komisaris, direksi, serta dewan pengawas syariah. Penelitian ini menganalisa pengaruh pengungkapan GCG yang terdiri dari dewan komisaris, dewan direksi dan dewan pengawas syariah terhadap Islamic social reporting pada bank umum syariah di Indonesia. Jenis penelitian adalah kuantitatif asosiatif. Sampel penelitian berjumlah tujuh (7) bank umum syariah di Indonesia, dengan periode pengamatan 2014-2019. Sumber data berasal dari annual report dan laporan GCG masing-masing bank umum syariah. Pengungkapan ISR dilakukan dengan cara dikotomi, yaitu “1” apabila laporan tersebut diungkapkan dan “0” apabila tidak diungkapkan. Analisis data menggunakan regresi linier berganda. Pengujian hipotesis menggunakan uji t, uji  F, dan R Square. Hasil penelitian menunjukkan bahwa variabel ukuran dewan komisaris tidak berpengaruh terhadap pengungkapan ISR. Sedangkan, variabel ukuran dewan direksi dan dewan pengawas syariah berpengaruh terhadap pengungkapan ISR. Kualitas dan kompetensi dewan direksi serta dewan pengawas syariah menentukan bank syariah dalam menerapkan tata kelola perusahaan yang baik

SPIN-OFF SHARIA BANKING IN INDONESIA: CALCULATION PROJECTION AND CRITICAL STUDY REGULATION

Undang-undang Perbankan Syariah No. 21 Tahun 2008 menyebutkan bagi Bank Umum Konvensional (BUK) yang memiliki Unit Usaha Syariah (UUS) dengan nilai aset telah mencapai paling sedikit 50% dari total nilai aset bank induknya atau 15 (lima belas) tahun sejak berlakunya Undang-undang wajib menjadi Bank Umum Syariah (BUS). Dalam Roadmap Pengembangan Perbankan Syariah Tahun 2020-2025 terkait Perizinan, Pengaturan dan Pengawasan, OJK tidak menjelaskan kesiapan UUS untuk spin off dari Bank Induk Konvensional menjadi BUS. Penelitian ini bertujuan mengkritisi kebijakan pemerintah terkait perubahan UUS menjadi BUS, serta memberi masukan untuk merevisi Undang-undang Perbankan Syariah terkait perubahan UUS menjadi BUS. Penelitian ini menggunakan metodologi penelitian kuantitatif dengan pendekatan deskriptif. Hasil Penelitian menunjukkan bahwa Unit Usaha Syariah (UUS) bisa berubah menjadi Bank Umum Syariah (BUS) pada tahun 2034 bukan pada tahun 2023. Peraturan dan regulasi terkait teknis operasional persiapan transmisi pemisahan UUS menjadi BUS, perlu diperkuat kembali dan dipertegas dengan peraturan yang baru. [Sharia Banking Law No. 21 of 2008 states that Conventional Commercial Banks (BUK) that have Sharia Business Units (UUS) with asset values have reached at least 50% of the total asset value of their parent bank or 15 (fifteen) years since the enactment of the Law are obliged to become Commercial Banks. Sharia (BUS). In the 2020-2025 Sharia Banking Development Roadmap related to Licensing, Regulation and Supervision, OJK did not explain the readiness of UUS to spin off from a Conventional Parent Bank to become a BUS. This study aims to criticize government policies regarding the change of UUS to BUS, as well as to provide input for revising the Sharia Banking Law regarding the change from UUS to BUS. This research is a quantitative research with a descriptive approach. The results showed that the Sharia Business Unit (UUS) could turn into a Sharia Commercial Bank (BUS) in 2034 instead of 2023. Regulations and regulations related to the technical operational preparation for the transmission of separation of UUS into BUS, need to be strengthened and reinforced with new regulations.

Differences In The Implementation of Good Corporate Governance In Conventional Banks and Sharia Banks In Indonesia

This type of research is content analysis, namely analyzing various regulations and reports that have been published. The research sample consists of three Conventional Banks and three Islamic Banks. The results show that Conventional Banks and Islamic Banks have both complied with the law, Bank Indonesia regulations, OJK regulations. However, they have some differences regarding religious foundations in implementing GCG in Islamic Banks. The Sharia Supervisory Board (DPS) is only owned by Islamic Banks, as a company supervisor to remain sharia compliant. GCG external assessment must be carried out immediately by Islamic Banks, aiming to increase competition a conventional institutions in the Islamic financial industry

Pengaruh Pertumbuhan Asuransi Syariah terhadap Pertumbuhan Ekonomi Indonesia

This study aims to determine the effect of growth in Islamic insurance on economic growth. By using secondary data sources, secondary data in the form of total Islamic insurance assets during 2015-2017 originated from the report of the Non Islamic Bank Financial Industry in the official website. This study analyzes the influence of the growth variables of Islamic insurance on economic growth. With the Independent variable in this study is the growth of Islamic insurance with total assets as an indicator (X). And the dependent variable in this study is Indonesia's economic growth using the indicator Gross Domestic Product (GDP) or Gross Domestic Product (GDP) (Y). The results of the study show that the growth variables of Islamic insurance have an effect on Indonesia's economic growth

Pengaruh Pertumbuhan Asuransi Syariah terhadap Pertumbuhan Ekonomi Indonesia

This study aims to determine the effect of growth in Islamic insurance on economic growth. By using secondary data sources, secondary data in the form of total Islamic insurance assets during 2015-2017 originated from the report of the Non Islamic Bank Financial Industry in the official website. This study analyzes the influence of the growth variables of Islamic insurance on economic growth. With the Independent variable in this study is the growth of Islamic insurance with total assets as an indicator (X). And the dependent variable in this study is Indonesia's economic growth using the indicator Gross Domestic Product (GDP) or Gross Domestic Product (GDP) (Y). The results of the study show that the growth variables of Islamic insurance have an effect on Indonesia's economic growth