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Papers by Aisha Putrina Sari

Research paper thumbnail of Zakat Standard Framework of Halal Cryptocurrency

Halal Cryptocurrency Management, 2019

The evolution of money begins with the use of valuable commodities such as gold and silver, fiat ... more The evolution of money begins with the use of valuable commodities such as gold and silver, fiat money, and digital money as the latest. The money that once can only be used directly, peer to peer, is now also growing with technological advances, especially the Internet. According to Bakar et al. (International Journal of Management Science and Business Administration 4:19–28, 2017) transaction over Internet relies almost exclusively on financial institutions serving as trusted third parties to process. The third parties are also playing role to minimize fraud activities. On the other hand, the presence of financial institutions leads to greater cost because there is an additional fee to be paid. From the reasons above, blockchain arises. Developed by Nakamoto (Bitcoin: A Peer-to-Peer Electronic Cash System, 2008), mechanism in blockchain allowing an elimination of the role of third parties (Papadopoulos in Blockchain and Digital Payments: An Institutionalist Analysis of Cryptocurrencies. Elsevier, New York, 2015). Leon et al. (Asia Pacific Journal of Innovation and Entrepreneurship 11:286–300, 2017) explain that a blockchain as a method of recording digital information data by means of a logbook which has the following features namely ordered, incremental, verifiable, and digital.

Research paper thumbnail of Zakat Standard Framework of Halal Cryptocurrency

Halal Cryptocurrency Management, 2019

The evolution of money begins with the use of valuable commodities such as gold and silver, fiat ... more The evolution of money begins with the use of valuable commodities such as gold and silver, fiat money, and digital money as the latest. The money that once can only be used directly, peer to peer, is now also growing with technological advances, especially the Internet. According to Bakar et al. (International Journal of Management Science and Business Administration 4:19–28, 2017) transaction over Internet relies almost exclusively on financial institutions serving as trusted third parties to process. The third parties are also playing role to minimize fraud activities. On the other hand, the presence of financial institutions leads to greater cost because there is an additional fee to be paid. From the reasons above, blockchain arises. Developed by Nakamoto (Bitcoin: A Peer-to-Peer Electronic Cash System, 2008), mechanism in blockchain allowing an elimination of the role of third parties (Papadopoulos in Blockchain and Digital Payments: An Institutionalist Analysis of Cryptocurre...

Research paper thumbnail of Banking Before and After Pbi 14/26/2012

This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regu... more This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regulation limiting the activities of banks based on their core capital. The purpose of this regulation is to improve the efficiency, durability and banking competition. Efficiency is measured by using DEA, endurance proxy by Z score and competititon proxy by HHI. The results showed that there was a significant difference before and after the regulations issued for variable efficiency and competition but not for durability. The next stage of this research is to know the effect of endurance, competition, regulations and numbers of Board of Directors (BOD) of the efficiency. Measurements were made by a panel regression and stated that the results of the BOD and year significantlyaffecting efficiency.

Research paper thumbnail of Efisiensi, Persaingan, Dan Risiko Default Perbankan Indonesia Sebelum Dan Setelah Pbi 14/26/2012

Jurnal Apresiasi Ekonomi

This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regu... more This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regulation limiting the activities of banks based on their core capital. The purpose of this regulation is to improve the efficiency, durability and banking competition. Efficiency is measured by using DEA, endurance proxy by Zscore and competititon proxy by HHI. The results showed that there was a significant difference before and after the regulations issued for variable efficiency and competition but not for durability. The next stage of this research is to know the effect of endurance, competition, regulations and numbers of Board of Directors (BOD) of the efficiency. Measurements were made by a panel regression and stated that the results of the BOD and year significantly affecting efficiency. Keywords: efficiency, competition, default risk, BOD, banking

Research paper thumbnail of Efisiensi, Persaingan, Dan Risiko Default Perbankan Indonesia Sebelum Dan Setelah Pbi 14/26/2012

Jurnal Apresiasi Ekonomi, Feb 25, 2020

Penelitian ini mencoba menemukan dampak PBI / 14/26/2012 pada perbankan di Indonesia. Peraturan i... more Penelitian ini mencoba menemukan dampak PBI / 14/26/2012 pada perbankan di Indonesia. Peraturan ini membatasi kegiatan bank berdasarkan modal inti yang mereka miliki. Tujuan peraturan ini adalah untuk meningkatkan efisiensi, daya tahan dan persaingan perbankan. Efisiensi diukur dengan menggunakan DEA, proksi daya tahan dengan skor Z dan proksi persaingan dengan HHI. Hasil penelitian menunjukkan bahwa terdapat perbedaan yang signifikan sebelum dan sesudah peraturan dikeluarkan untuk variabel efisiensi dan kompetisi tetapi untuk daya tahan tidak signifikan. Tahap selanjutnya dari penelitian ini adalah untuk mengetahui pengaruh daya tahan, persaingan, peraturan dan jumlah Dewan Direksi (BOD) terhadap efisiensi. Pengukuran dilakukan dengan regresi panel dan menyatakan bahwa BOD dan pandangannya secara signifikan mempengaruhi efisiensi. Kata kunci : efisiensi, kompetisi, resiko default, Board of Director (BOD), perbankan.

Research paper thumbnail of Zakat Standard Framework of Halal Cryptocurrency

Halal Cryptocurrency Management, 2019

The evolution of money begins with the use of valuable commodities such as gold and silver, fiat ... more The evolution of money begins with the use of valuable commodities such as gold and silver, fiat money, and digital money as the latest. The money that once can only be used directly, peer to peer, is now also growing with technological advances, especially the Internet. According to Bakar et al. (International Journal of Management Science and Business Administration 4:19–28, 2017) transaction over Internet relies almost exclusively on financial institutions serving as trusted third parties to process. The third parties are also playing role to minimize fraud activities. On the other hand, the presence of financial institutions leads to greater cost because there is an additional fee to be paid. From the reasons above, blockchain arises. Developed by Nakamoto (Bitcoin: A Peer-to-Peer Electronic Cash System, 2008), mechanism in blockchain allowing an elimination of the role of third parties (Papadopoulos in Blockchain and Digital Payments: An Institutionalist Analysis of Cryptocurrencies. Elsevier, New York, 2015). Leon et al. (Asia Pacific Journal of Innovation and Entrepreneurship 11:286–300, 2017) explain that a blockchain as a method of recording digital information data by means of a logbook which has the following features namely ordered, incremental, verifiable, and digital.

Research paper thumbnail of Zakat Standard Framework of Halal Cryptocurrency

Halal Cryptocurrency Management, 2019

The evolution of money begins with the use of valuable commodities such as gold and silver, fiat ... more The evolution of money begins with the use of valuable commodities such as gold and silver, fiat money, and digital money as the latest. The money that once can only be used directly, peer to peer, is now also growing with technological advances, especially the Internet. According to Bakar et al. (International Journal of Management Science and Business Administration 4:19–28, 2017) transaction over Internet relies almost exclusively on financial institutions serving as trusted third parties to process. The third parties are also playing role to minimize fraud activities. On the other hand, the presence of financial institutions leads to greater cost because there is an additional fee to be paid. From the reasons above, blockchain arises. Developed by Nakamoto (Bitcoin: A Peer-to-Peer Electronic Cash System, 2008), mechanism in blockchain allowing an elimination of the role of third parties (Papadopoulos in Blockchain and Digital Payments: An Institutionalist Analysis of Cryptocurre...

Research paper thumbnail of Banking Before and After Pbi 14/26/2012

This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regu... more This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regulation limiting the activities of banks based on their core capital. The purpose of this regulation is to improve the efficiency, durability and banking competition. Efficiency is measured by using DEA, endurance proxy by Z score and competititon proxy by HHI. The results showed that there was a significant difference before and after the regulations issued for variable efficiency and competition but not for durability. The next stage of this research is to know the effect of endurance, competition, regulations and numbers of Board of Directors (BOD) of the efficiency. Measurements were made by a panel regression and stated that the results of the BOD and year significantlyaffecting efficiency.

Research paper thumbnail of Efisiensi, Persaingan, Dan Risiko Default Perbankan Indonesia Sebelum Dan Setelah Pbi 14/26/2012

Jurnal Apresiasi Ekonomi

This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regu... more This study try to find out about the impact of PBI / 14/26/2012 for banks in Indonesia. This regulation limiting the activities of banks based on their core capital. The purpose of this regulation is to improve the efficiency, durability and banking competition. Efficiency is measured by using DEA, endurance proxy by Zscore and competititon proxy by HHI. The results showed that there was a significant difference before and after the regulations issued for variable efficiency and competition but not for durability. The next stage of this research is to know the effect of endurance, competition, regulations and numbers of Board of Directors (BOD) of the efficiency. Measurements were made by a panel regression and stated that the results of the BOD and year significantly affecting efficiency. Keywords: efficiency, competition, default risk, BOD, banking

Research paper thumbnail of Efisiensi, Persaingan, Dan Risiko Default Perbankan Indonesia Sebelum Dan Setelah Pbi 14/26/2012

Jurnal Apresiasi Ekonomi, Feb 25, 2020

Penelitian ini mencoba menemukan dampak PBI / 14/26/2012 pada perbankan di Indonesia. Peraturan i... more Penelitian ini mencoba menemukan dampak PBI / 14/26/2012 pada perbankan di Indonesia. Peraturan ini membatasi kegiatan bank berdasarkan modal inti yang mereka miliki. Tujuan peraturan ini adalah untuk meningkatkan efisiensi, daya tahan dan persaingan perbankan. Efisiensi diukur dengan menggunakan DEA, proksi daya tahan dengan skor Z dan proksi persaingan dengan HHI. Hasil penelitian menunjukkan bahwa terdapat perbedaan yang signifikan sebelum dan sesudah peraturan dikeluarkan untuk variabel efisiensi dan kompetisi tetapi untuk daya tahan tidak signifikan. Tahap selanjutnya dari penelitian ini adalah untuk mengetahui pengaruh daya tahan, persaingan, peraturan dan jumlah Dewan Direksi (BOD) terhadap efisiensi. Pengukuran dilakukan dengan regresi panel dan menyatakan bahwa BOD dan pandangannya secara signifikan mempengaruhi efisiensi. Kata kunci : efisiensi, kompetisi, resiko default, Board of Director (BOD), perbankan.