Papers by Sri Wahyuni Asnaini
Journal of Comuunication Education /Journal Of Communication Education, Sep 23, 2023
The long-term goal achieved in this study is to see the effect of the merger of BUMN Syariah Bank... more The long-term goal achieved in this study is to see the effect of the merger of BUMN Syariah Banks to become Indonesian Syariah Banks (BSI). Where is the merger will certainly affect the expansion of the market area and can increase product variations because so far each Islamic Bank has unique products that have different characteristics, so that later it will further enrich its products, can increase economies of scale or increase the size of the bank, economics of scope and course this can be realized by financing giant projects. The research method used is a descriptive method with a quantitative approach. The population of this study is PT Bank BRI Syariah Tbk, PT Bank BNI Syariah, and PT Bank Syariah Mandiri. The next step is to process the data using the SPSS 17 software using the Wilcoxon signed rank test so that a research report can be compiled as the activity output. The results of the statistical test analysis there is no significant difference in the values of KPPM, ROA, ROE, NPF, FDR, BOPO, and NOM at Bank BRIS, BNIS, and BSM before and after the Merger. The KPPM, ROA, ROE, and NOM values are negative indicating that the KPPM, ROA, ROE, and NOM values after the merger are higher than before the merger. On the other hand, the NPF, FDR, and BOPO values are positive indicating that the NPF, FDR, and BOPO values after the merger are lower than before the merger.
Determinants Affecting Financing Murabahah at Syariah Commercial Banks in Indonesia 2016-2020 Period
Journal Of Communication Education, Feb 23, 2022
Islamic banks, like conventional banks, have a function as financial intermediaries, having the m... more Islamic banks, like conventional banks, have a function as financial intermediaries, having the main task of collecting funds from the public and channeling them back to the community in the form of financing facilities. The basic difference between the two banks is that Islamic banks carry out their business activities not based on interest (interest fees), but based on sharia principles or the profit and loss sharing principle. Murābahah is Islamic bank financing through a buying and selling system for or services with a profit agreement and a certain period of time. The purpose of this study was to analyze the determinants of Murabahah financing seen from microeconomic factors such as Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO) as well as from macroeconomic factors such as Bank Indonesia Syariah Certificates (SBIS), BI rate and inflation. The data that has been collected was analyzed using multiple regression analysis. The results obtained from this study show that the Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), BI Rate and inflation have a significant effect on Murabahah financing. Meanwhile, Return on Assets (ROA), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO) and Bank Indonesia Syariah Certificates (SBIS) have no significant effect on Murabahah financing. Keywords: Murabahah Financing, Microeconomic Factors, Macroeconomic Factors
Pengaruh Tingkat Kesehatan Bank Dengan Metode Risk Based Bank Rating Terhadap Kinerja Keuangan Pada Bank Umum Syariah DI Indonesia
Journal Of Communication Education, Oct 17, 2022
ABSTRACTThe purpose of this study was to examine how much influence the level of bank soundness b... more ABSTRACTThe purpose of this study was to examine how much influence the level of bank soundness based on the Risk Based Bank Rating method on the financial performance of Islamic Commercial Banks in Indonesia. Factors or ratios used in the assessment of Risk Based Bank Rating include Risk Profile (Non Performing Financing/NPF and Financing to Deposit Ratio/FDR), Good Corporate Governance (GCG), Earning (BOPO) and capital (Capital Adequacy Ratio/CAR). The research sample consisted of 8 Islamic commercial banks in Indonesia.The results of the data test state that the f-test shows that all variables have an effect on the financial performance of Islamic Commercial Banks in Indonesia. Meanwhile, through the t-test, the Non-Performing Financing (NPF) variable has an influence on the financial performance of Islamic Commercial Banks in Indonesia, while the Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Operating Costs to Operating Income (BOPO), and Capital Adequacy Ratio (CAR) has no effect on the financial performance of Islamic commercial banks in Indonesia.Keywords: Healthy Level, Financial Performance, Islamic Commercial BankABSTRAKPenelitian ini bertujuan untuk menguji berapa besar pengaruh tingkat kesehatan bank berdasarkan metode Risk Based Bank Rating terhadap kinerja keuangan pada Bank Umum Syariah di Indonesia. Faktor atau rasio yang digunakan dalam penilaian Risk Based Bank Rating mencakup Risk Profile (Non Performing Financing/NPF dan Financing to Deposit Ratio/FDR), Good Corporate Governance (GCG), Earning (BOPO) dan permodalan (Capital Adequacy Ratio/CAR). Sampel penelitian terdiri 8 bank umum syariah di Indonesia.Hasil pengujian data menyatakan bahwa melalui uji-f menunjukkan bahwa seluruh variabel berpengaruh terhadap kinerja keuangan Bank Umum Syariah di Indonesia. Sedangkan melalui uji-t variabel Non Performing Financing (NPF) memiliki pengaruh terhadap kinerja keunagan Bank Umum Syariah di Indonesia, sementara Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Biaya Operasional terhadap Pendapatan Operasional (BOPO), dan Capital Adequacy Ratio (CAR) tidak memiliki pengaruh terhadap kinerja keuangan bank umum syariah di Indonesia.Kata Kunci: Tingkat Kesehatan, Kinerja Keuangan, Bank Umum Syariah
The Influence of the Quality of Good Corporate Governance (GCG) Implementation on Financial Performance in Islamic Commercial Banks in Indonesia
Journal Of Communication Education, Oct 17, 2022
ABSTRACTCorporate governance arises from the business need for good governance, which upholds the... more ABSTRACTCorporate governance arises from the business need for good governance, which upholds the principles of transparency, trustworthiness, responsibility and fairness. Good Corporate Governance is corporate governance which is assessed as one of the public's assessments in deciding to invest in a corporate institution. The indicator to assess the quality of the implementation of Good Corporate Governance is seen from the Self-Assessment of each company which is taken from 11 criteria that apply as a whole.The purpose of this study was to analyze the determinants the effect of the implementation of Good Corporate Governance (GCG) on financial performance as measured by Return on Assets (ROA) and Non-Performing Financing (NPF) at Islamic Commercial Banks in Indonesia. The population is all Islamic Commercial Banks that have implemented GCG in accordance with Bank Indonesia regulations. This research is associative to see the relationship between one variable and another. The data used is secondary data from annual reports and corporate governance reports issued by each Islamic Commercial Bank for the 2016-2020 periods. The sample collected is 8 Islamic commercial banks with a total of N = 40. The results show that the implementation of GCG based on the data collected has an average of 1:55 to 2:20 which is included in the "Good" category. This means that the quality of GCG implementation is in accordance with the BUS 11 indicators set by Bank Indonesia.Keywords: Good Corporate Governance, financial performance, operational efficiencyABSTRAKTata kelola perusahaan muncul dari kebutuhan bisnis akan tata kelola yang baik, yang menjunjung tinggi prinsip-prinsip transparansi, kepercayaan, tanggung jawab dan keadilan. Good Corporate Governance adalah tata kelola perusahaan yang dinilai sebagai salah satu penilaian masyarakat dalam memutuskan untuk berinvestasi pada suatu institusi perusahaan. Indikator untuk menilai kualitas penerapan Good Corporate Governance dilihat dari penilaian masing-masing perusahaan yang diambil dari 11 kriteria yang berlaku secara keseluruhan.Tujuan penelitian ini adalah untuk menganalisis determinan pengaruh penerapan Good Corporate Governance (GCG) terhadap kinerja keuangan yang diukur dengan Return on Assets (ROA) dan Non Performing Financing (NPF) pada Bank Umum Syariah di Indonesia. Populasinya adalah seluruh Bank Umum Syariah yang telah menerapkan GCG sesuai ketentuan Bank Indonesia. Penelitian ini bersifat asosiatif untuk melihat hubungan antara satu variabel dengan variabel lainnya. Data yang digunakan adalah data sekunder berupa laporan tahunan dan laporan tata kelola perusahaan yang diterbitkan oleh masing-masing Bank Umum Syariah periode 2016-2020. Sampel yang dikumpulkan adalah 8 bank umum syariah dengan total N = 40. Hasil penelitian menunjukkan bahwa penerapan GCG berdasarkan data yang dikumpulkan memiliki rata-rata 1:55 hingga 2:20 yang termasuk dalam kategori “Baik”. Artinya, kualitas penerapan GCG sudah sesuai dengan indikator BUS 11 yang ditetapkan Bank Indonesia.Kata kunci: Good Corporate Governance, kinerja keuangan, efisiensi operasional
Pengaruh Kinerja Keuangan Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah DI Indonesia Tahun 2016 – 2020
Journal Of Communication Education, Feb 23, 2022
Bank Syariah sebagaimana bank konvensional memiliki fungsi sebagai perantara jasa keuangan (finan... more Bank Syariah sebagaimana bank konvensional memiliki fungsi sebagai perantara jasa keuangan (financial intermediary), memiliki tugas pokok yaitu menghimpun dana dari masyarakat dan menyalurkannya kembali kepada masyarakat dalam bentuk fasilitas pembiayaan. Perbedaan mendasar antara kedua bank tersebut hanyalah bank syariah melakukan kegiatan usahanya tidak berdasarkan bunga (interest fee), namun didasarkan pada prinsip syariah atau prinsip pembagian keuntungan dan kerugian (profit and loss sharing principle). Tingkat bagi hasil yang diberikan oleh Bank Syariah merupakan salah satu daya tarik masyarakat untuk menyimpan dana pada produk-produk Bank Syariah. Tingkat bagi hasil pada bank syariah selalu berubah hal ini disebabkan oleh beberapa faktor kinerja keuangan yang mempengaruhi tingkat bagi hasil pada Bank Umum Syariah. Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan yakni NPF, FDR, CAR, dan BOPO yang diprediksi mempengaruhi tingkat bagi hasil deposito mudharabah . Penelitian ini menggunakan populasi yang sekaligus dijadikan sampel, yakni seluruh Bank Umum Syariah yaitu 14 Bank Umum Syariah (BUS). Penelitian ini menggunakan data kuantitatif yaitu data yang diukur dalam skala numerik (angka). Dan menggunakan data bulanan periode tahun 2016-2020. Data diolah melalui metode uji statistik regresi linear berganda dengan menggunakan software SPSS . Berdasarkan hasil regresi linear berganda, menyimpulkan bahwa secara partial kinerja keuangan yakni NPFdan FDR secara positif berpengaruh signifikan terhadap tingkat bagi hasil deposito mudharabah. Sedangkan Variabel CAR dan BOPO tidak berpengaruh secara signifikan terhadap tingkat bagi hasil deposito mudharabah. Secara simultan variabel NPF, FDR, CAR dan BOPO berpengaruh positif terhadap tingkat bagi hasil deposito mudharabah. Kata Kunci : Tingkat Bagi Hasil Deposito Mudharabah, NPF, FDR, CAR, BOPO
ABDIKARYA: Jurnal Pengabdian dan Pemberdayaan Masyarakat
Dalam menghadapi persaingan global yang semakin berubah cepat, diperlukan antisipasi yang cepat d... more Dalam menghadapi persaingan global yang semakin berubah cepat, diperlukan antisipasi yang cepat dilakukan oleh pelaku usaha kecil dan menengah. selain itu kesadaran masyarakat Indonesia yang mayoritas memeluk agama islam, maka dibutuhkan antisipasi para pelaku umkm memberikan rasa aman dan nyaman bagi para konsumen yang loyal. Kegiatan pengabdian masyarakat ini bertujuan untuk meningkatkan pengetahuan dan keterampilan dalam menyusun dokumen Sistem Jaminan Produk Halal (SJPH) kepada para pelaku usaha sehingga diharapkan pelaku usaha (UMKM) tidak kesulitan mendaftarkan produknya untuk sertifikasi halal. Dalam hal ini, diperlukan peran serta pemerintah untuk memberikan bantuan para UMKM untuk mendapatkan sertifikasi Halal secara gratis, dengan program tersebut sangat dirasakan betul oleh para pelaku UMKM. Program gratis Sertifikasi Halal yang berlangsung dari 23 Maret sampai dengan 30 Juni 2022 sangat diupayakan dan dimanfaatkan oleh para pelaku UMKM di BUMDES Serdang Wetan. Adapun Tar...
Pengaruh Kinerja Keuangan Terhadap Tingkat Bagi Hasil Deposito Mudharabah Pada Bank Umum Syariah DI Indonesia Tahun 2016 – 2020
Journal Of Communication Education
Bank Syariah sebagaimana bank konvensional memiliki fungsi sebagai perantara jasa keuangan (finan... more Bank Syariah sebagaimana bank konvensional memiliki fungsi sebagai perantara jasa keuangan (financial intermediary), memiliki tugas pokok yaitu menghimpun dana dari masyarakat dan menyalurkannya kembali kepada masyarakat dalam bentuk fasilitas pembiayaan. Perbedaan mendasar antara kedua bank tersebut hanyalah bank syariah melakukan kegiatan usahanya tidak berdasarkan bunga (interest fee), namun didasarkan pada prinsip syariah atau prinsip pembagian keuntungan dan kerugian (profit and loss sharing principle). Tingkat bagi hasil yang diberikan oleh Bank Syariah merupakan salah satu daya tarik masyarakat untuk menyimpan dana pada produk-produk Bank Syariah. Tingkat bagi hasil pada bank syariah selalu berubah hal ini disebabkan oleh beberapa faktor kinerja keuangan yang mempengaruhi tingkat bagi hasil pada Bank Umum Syariah. Penelitian ini bertujuan untuk menganalisis pengaruh kinerja keuangan yakni NPF, FDR, CAR, dan BOPO yang diprediksi mempengaruhi tingkat bagi hasil deposito mudhara...
Determinants Affecting Financing Murabahah at Syariah Commercial Banks in Indonesia 2016-2020 Period
Journal Of Communication Education
Islamic banks, like conventional banks, have a function as financial intermediaries, having the m... more Islamic banks, like conventional banks, have a function as financial intermediaries, having the main task of collecting funds from the public and channeling them back to the community in the form of financing facilities. The basic difference between the two banks is that Islamic banks carry out their business activities not based on interest (interest fees), but based on sharia principles or the profit and loss sharing principle. Murābahah is Islamic bank financing through a buying and selling system for or services with a profit agreement and a certain period of time. The purpose of this study was to analyze the determinants of Murabahah financing seen from microeconomic factors such as Return on Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), Financing to Deposit Ratio (FDR), Operational Efficiency Ratio (BOPO) as well as from macroeconomic factors such as Bank Indonesia Syariah Certificates (SBIS), BI rate and inflation. The data that has been collecte...
The Influence of the Quality of Good Corporate Governance (GCG) Implementation on Financial Performance in Islamic Commercial Banks in Indonesia
Journal Of Communication Education
ABSTRACTCorporate governance arises from the business need for good governance, which upholds the... more ABSTRACTCorporate governance arises from the business need for good governance, which upholds the principles of transparency, trustworthiness, responsibility and fairness. Good Corporate Governance is corporate governance which is assessed as one of the public's assessments in deciding to invest in a corporate institution. The indicator to assess the quality of the implementation of Good Corporate Governance is seen from the Self-Assessment of each company which is taken from 11 criteria that apply as a whole.The purpose of this study was to analyze the determinants the effect of the implementation of Good Corporate Governance (GCG) on financial performance as measured by Return on Assets (ROA) and Non-Performing Financing (NPF) at Islamic Commercial Banks in Indonesia. The population is all Islamic Commercial Banks that have implemented GCG in accordance with Bank Indonesia regulations. This research is associative to see the relationship between one variable and another. The d...
Pengaruh Tingkat Kesehatan Bank Dengan Metode Risk Based Bank Rating Terhadap Kinerja Keuangan Pada Bank Umum Syariah DI Indonesia
Journal Of Communication Education
ABSTRACTThe purpose of this study was to examine how much influence the level of bank soundness b... more ABSTRACTThe purpose of this study was to examine how much influence the level of bank soundness based on the Risk Based Bank Rating method on the financial performance of Islamic Commercial Banks in Indonesia. Factors or ratios used in the assessment of Risk Based Bank Rating include Risk Profile (Non Performing Financing/NPF and Financing to Deposit Ratio/FDR), Good Corporate Governance (GCG), Earning (BOPO) and capital (Capital Adequacy Ratio/CAR). The research sample consisted of 8 Islamic commercial banks in Indonesia.The results of the data test state that the f-test shows that all variables have an effect on the financial performance of Islamic Commercial Banks in Indonesia. Meanwhile, through the t-test, the Non-Performing Financing (NPF) variable has an influence on the financial performance of Islamic Commercial Banks in Indonesia, while the Financing to Deposit Ratio (FDR), Good Corporate Governance (GCG), Operating Costs to Operating Income (BOPO), and Capital Adequacy Ra...
MULIA (Jurnal Pengabdian kepada Masyarakat), Sep 5, 2022
are required to meet these requirements to compete in the free market era. This demand is a probl... more are required to meet these requirements to compete in the free market era. This demand is a problem because many business actors do not have business legality. Therefore, community service activities are needed in the form of assistance, especially for craftsmen and UMKM to develop their businesses in a better direction. This activity is intended to provide an understanding of the importance of taking care of a business license and introducing a Business Identification Number (NIB) to apply for a business license online. The Indonesian government is trying to make it easier and at the same time to record business actors in Indonesia through the Business Identification Number (NIB) submitted through the Online Single Submission (OSS). Craftsmen and UMKM actors can develop their businesses in a better direction. The implementation of activities includes the delivery of theory and practice of making business legalities. This study aims to provide knowledge and information on making NIB to business actors to develop their business. The results of this study were carried out by the community to understand and increase knowledge about making NIB which must be owned by every business actor. Then simplify business operations because they have obtained business legality and UMKM actors get business protection, easy access to capital, empowerment from the government, and assistance for business development.
The purpose of this research is to analyse the effect of religiosity and work-family conflict tow... more The purpose of this research is to analyse the effect of religiosity and work-family conflict towards employee performance through job satisfaction as an intervening variable to the workers of the manufacturing industry by taking 120 workers as samples. This research used a questionnaire as the method of data collection. Whereas, the analysis method used Structural Equation Modelling (SEM), SmartPLS v.3.0. The result of this research showed that religiosity has a significant positive effect on job satisfaction, the work-family conflict has a significant negative effect on job satisfaction, religiosity has a significant positive effect on employee performance, work-family conflict does not significantly affect employee performance, job satisfaction has a significant positive effect to employee performance, religiosity has a significant positive effect to employee performance through job satisfaction as an intervening variable, work-family conflict does not significantly affect the em...
This study aims to measure the influence of organizational culture on teacher innovation capabili... more This study aims to measure the influence of organizational culture on teacher innovation capability in Indonesia mediated by tacit and explicit knowledge sharing. Data collection was carried out by simple random sampling via electronic to a population of teachers in Jabodetabek. The returned and valid questionnaire results were 583 samples. Data processing using SEM method with SmartPLS 3.0 software. The results of this study are organizational culture has a positive and significant effect on teacher innovation capability, both directly and through mediating tacit knowledge sharing. Organizational culture has a positive and significant effect on explicit knowledge sharing. While explicit knowledge sharing has not significant effect on teacher innovation capability. This novel research is proposing a model to build teacher innovation capability among teachers through organizational culture with tacit & explicit knowledge sharing as mediation. This research can pave the way to improve...
This study aims to measure the influence of organizational learning on the improvement of hard sk... more This study aims to measure the influence of organizational learning on the improvement of hard skills, soft skills and teacher innovation capability in Indonesia.Hard skills and soft skills as mediated variables. Data collection was carried out by simple random sampling via electronic to a population of teachers in Jawa Barat. The returned and valid questionnaire results were 663 samples. Data processing using SEM method with SmartPLS 3.0 software. The results of this study are organizational learning has a positive and significant effect on teacher innovation capability, both directly and through mediating hard skills and soft skills. This novel research is proposing a model to build teacher innovation capability among teachers through organizational learning with hard skills and soft skills as mediation. This research can open the way to improve teacher readiness in facing the era of education 4.0.
JOURNAL OF APPLIED MANAGERIAL ACCOUNTING
This study aims to examine the effect of return on asset, size, operating expense operating incom... more This study aims to examine the effect of return on asset, size, operating expense operating income, solvency ratio, and loan to depostio ratio on non performing loan of bank companies listed on the Indonesia Stock Exchang (IDX) for period 2013-2017. This study uses secondary data with a purposive sampling technique. The sample used in this research is 40 companies with a total observation of 200 data. The analysis technique used is panel data regression analysis. The results of the research found that size had a positive effect on non performing loan, operating expense operating income had a positive effect on non performing loan, return on asset had no effect on non performing loan, solvency ratio had no effect on non performing loan, and loan to deposit ratio had no effect on non performing loan
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Papers by Sri Wahyuni Asnaini