estu widarwati - Academia.edu (original) (raw)

Papers by estu widarwati

Jurnal kajian akuntansi, May 5, 2024

Journal of Management & Muamalah, Jun 27, 2024

Repository Sekolah Tinggi Ilmu Ekonomi Sutaatmadja, 2020

This study aims to determine the effect of social media on purchasing decisions in SME Busrain Su... more This study aims to determine the effect of social media on purchasing decisions in SME Busrain Subang. The object studied in this study is Social Media as an independent variable and Purchase Decision as a variable. The sample in this research is Busrain Subang consumers. Researchers distributed questionnaires to 80 respondents. The method in this study is quantitative using simple linear regression analysis techniques to determine the effect of each variable and to find the results of the hypothesis. Sources of data used are primary data and secondary data. Data collection techniques used literature study, observation, interviews, and online questionnaires. The results showed that social media had an effect on purchasing decisions in SME Busrain Subang. The results showed that in this study there was a significant relationship value on the variables of social media and purchasing decisions. Results Based on the research and discussion entitled "The Influence of Media on Purchase Decisions in Busrain Subang SMEs", it can be taken as follows: according to the results of hypothesis testing; Partial Significance Test (t-Statistic Test), and Coefficient of Determination, is the influence between Social Media on Purchase Decisions in Busrain Subang. Suggestions from researchers Based on the results of this promotion, Subang Busrain must increase or advertise in order to increase sales. The implications and limitations of this study are that research using a small sample describes results that are less than optimal. Research during a pandemic is considered difficult because of the absence of valid social services.

This study aims to determine the effect of social media on purchasing decisions in SME Busrain Su... more This study aims to determine the effect of social media on purchasing decisions in SME Busrain Subang. The object studied in this study is Social Media as an independent variable and Purchase Decision as a variable. The sample in this research is Busrain Subang consumers. Researchers distributed questionnaires to 80 respondents. The method in this study is quantitative using simple linear regression analysis techniques to determine the effect of each variable and to find the results of the hypothesis. Sources of data used are primary data and secondary data. Data collection techniques used literature study, observation, interviews, and online questionnaires. The results showed that social media had an effect on purchasing decisions in SME Busrain Subang. The results showed that in this study there was a significant relationship value on the variables of social media and purchasing decisions. Results Based on the research and discussion entitled "The Influence of Media on Purchase Decisions in Busrain Subang SMEs", it can be taken as follows: according to the results of hypothesis testing; Partial Significance Test (t-Statistic Test), and Coefficient of Determination, is the influence between Social Media on Purchase Decisions in Busrain Subang. Suggestions from researchers Based on the results of this promotion, Subang Busrain must increase or advertise in order to increase sales. The implications and limitations of this study are that research using a small sample describes results that are less than optimal. Research during a pandemic is considered difficult because of the absence of valid social services.

ETIKONOMI

Governance becomes a guideline for the banking management system and is essential for banking sur... more Governance becomes a guideline for the banking management system and is essential for banking survival during regular economic crises. We investigate the impact of governance on performance in the Indonesians' conventional and examine the mediating role of bank risk in bank governance and performance relationship. The samples are 18 conventional banks listed on Indonesia Stock Exchange (IDX) from 2014 to 2021 and analyzed using panel data regression and sobel test. We find the risk of state-own bank higher than private bank and foreign bank that could leads to lower performance. Then the results indicate that board size and board age influence bank risk and bank performance. Banks should consider the board size for efficiency and also the maximum standard of their directors' age based on arguments related to innovation-based work productivity in the competitive banking industry. The subsequent exploration of banking governance research is needed by examining the differences ...

Etikonomi, 2022

Governance becomes a guideline for the banking management system and is essential for banking sur... more Governance becomes a guideline for the banking management system and is essential for banking survival during regular economic crises. We investigate the impact of governance on performance in the Indonesians' conventional and examine the mediating role of bank risk in bank governance and performance relationship. The samples are 18 conventional banks listed on Indonesia Stock Exchange (IDX) from 2014 to 2021 and analyzed using panel data regression and the Sobel test. We find that the risk of stateown banks is higher than private and foreign banks, which could lead to lower performance. Then the results indicate that board size and board age impacted bank risk and performance. Banks should consider the board size for efficiency and the maximum standard of their directors' age based on arguments related to innovation-based work productivity in the competitive banking industry. Examining the differences in bank ownership and bank characteristics linked to bank risk needs the subsequent exploration of banking governance research. This result is strong evidence of mediation in this study.

The purpose of this research is to analyze the implementation of green financing and to find an i... more The purpose of this research is to analyze the implementation of green financing and to find an impact of application of green financing toward earning pt.airasia. Industri activities oftentimes give some bad impact to environment surrounding. Green financing is a Financing or lending to businesses that are environmentally friendly. The implementation of green financial can give good image for the company however preliminary research found not many companies are implementing green financial. This research will use quantitave approach and different test or  paired T-test will use for statistical testing, in order to test the research assumptions. Variable of this research are Green financial and Earning. This research is expected will contribute for the development of green financial theory and enhancement of the implementation of green financial especially in airline on Asian Economic community era

This study aims to explain the role of corporate social responsibility (CSR) on the financial per... more This study aims to explain the role of corporate social responsibility (CSR) on the financial performance of a case study of the airline company Airasia Berhad This research data collection method is a literature study, and researchers obtain information from Airasia Berhad's annual report. based on the results of this study CSR has an important role on financial performance with the reputation and achievements of companies that care about the environment to be more value for stakeholders in considering buying company shares so that it has an impact on rising company stock prices

Some of global financial crisis that occurred in 2008 - 2013 provided the importance of measureme... more Some of global financial crisis that occurred in 2008 - 2013 provided the importance of measurement in systemic risk of financial system. Some models has been developed to monitor, identify and asses potential risks that can threaten stability of financial system. FDC is one of important tools to identify early risks of financial system that can reduce the crisis losses before it lead in bankruptcy. This research aimed to provide evidence on financial distress cost in Indonesia’s Banking by using liquidity risk and financing quality as independent variables and datas sourced from Indonesian Banking Statistics 2010 – 2015. The result proposes a notion of financial distress cost that should be considered link between financial distress cost and bankruptcy risk.

The purpose of this study is to determine the efficiency and performance of Islamic banking in In... more The purpose of this study is to determine the efficiency and performance of Islamic banking in Indonesia and the effect of the relationship between efficiency on the performance of Islamic banking in Indonesia. This type of research is descriptive. With the research object is the financial statements of 11 Islamic banks in Indonesia. The data analysis method used is Data Envelopment Analysis (DEA), ratio analysis, and panel data. The results showed that based on the DEA analysis, the overall average of Islamic banks reached an efficiency of 95.1%, and in several periods the 11 banks had an efficiency level of 100%. In the ROA ratio analysis, it shows that Islamic banks are in bad condition, the NIM ratio analysis shows that Islamic banks are in good condition. The analysis of the effect of the DEA analysis with the ROA and NIM ratios shows that the ROA ratio is not significant and has a negative effect on DEA. The NIM ratio has a positive and significant effect on the DEA analysis. ...

Jurnal Pasar Modal dan Bisnis , 2022

The improvization of sustainability performance for creating the long-term value requires good go... more The improvization of sustainability performance for creating the long-term value requires good governance in order to achieve a high productivity and control costs. Firm's ability managing assets efficiently should be synergized with good corporate sustainability information disclosure. Efficiency management is important for corporate sustainability. A better firm's managerial improvement will increase firm's sustainability performance. This is early study analyzing the firm efficiency for achieving corporate sustainability performance in terms of economic, environmental, or social aspects. Furthermore, the study test the impact of efficiency management on corporate sustainability performance in Indonesian's non financial industry. This study uses purposive sampling technique and the samples include infrastructure, healthy, industrial, basic material, and non primer sector of IDX in 2019-2020. The analytical tools using descriptive statistic, simple regression, and T-test The results show that efficiency management has a significant effect on corporate sustainability performance. Separated effect of efficiency management significant on economic aspect but different finding on environment and social aspect. Next research should explore deeply the topic using long period and complex model approac. The finding this study lead to the significance of efficiency management as breakthrough for optimizing corporate sustainability performance.

Indonesian Capital Market Review, 2019

The business performance become an important thing to be main goal of firm activities to get the ... more The business performance become an important thing to be main goal of firm activities to get the competitive advantage, but it is contrary with the recession may bring a probability of firm's decreasing and liquidation. The uncertainty of global economy provides the importance in developing model to monitor, identify and asses potential risks which can threat business sustainability. Cost of Financial Distress (CFD) is one of tools for identifying firm performance decline early risk such as sales growth and stock return, so it can reduce the loss possibility before all lead to bankruptcy. This research aims to explain the evidence of CFD in Indonesia by using opportunity loss and consequency to firm performance. The datas used are 231 firms of Indonesia Stock Exchange (IDX) in 2011-2015 and panel regression used for presenting the impact of CFD to firm performance. Consistency of the theory that cost tend to increase following cash flow realization which may be lower in uncertainty of economiy. The analysis finds that Indonesia's industry have higher CFD and low sales growth after based year of uncertainty economy. The regression result also finds CFD have negative impact to firm's sales growth. The result propose that CFD can be used as an early detection tool for reducing loss possibility of firm's market share.

TSARWATICA (Islamic Economic, Accounting, and Management Journal), 2019

Mutual funds syariah are other investment opportunities with measurable risk and return is high e... more Mutual funds syariah are other investment opportunities with measurable risk and return is high enough with enough capital affordable to the community. Mutual funds syariah have an Investment Manager with the ability and knowledge of the market it is or will happen. Therefore, mutual funds syariah selected by investors because it is cheap, easy and "managed by the experts". This research analysted do stock selection skill, market timing ability, Turnover ratio and Cashflow can influence the performance of equity mutual funds syariah in Indonesia. The data used in this research are data on financial statements , Net Asset Value (NAV), SBI, IHSG, yearly data and prospectus of 10 equity mutual fund syariah that were sampled during this research report from 2011-2014. As a research methodology, we used F test and t test to examine research’s hypothesis, also used assumption classic test there are normality test, autocorrelation test, heteroscedasticity test and multicolinearit...

Al-Iqtishad: Journal of Islamic Economics, 2016

Strategic Approach for Optimizing of Zakah Institution Performance: Customer Relationship Managem... more Strategic Approach for Optimizing of Zakah Institution Performance: Customer Relationship Management. Zakahh is part of the Indonesian economy, which requires the development and structuring. The funds of zakah must be well managed by organizational zakah system which should be improved its performance. Therefore, there is a need of new approach concerning the zakah management based on muzakki's behavior as an important resource in zakah institution. This paper explores the role of Customer Relationship Management (CRM) in zakah institution linked the important of muzakki's contribution who use services of its. Then it aims to expand the understanding about how CRM as one of strategic approach for organization such zakah institution to improve its performance which employes three main aspect of CRM, which are form of personnel (behavior of personnel), business process, and using technology. Furthermore, this paper tries to depict how CRM is able to raise the zakah funds collection from Moslem society especially Middle Class Moslem in Indonesia by customer (muzakki) satisfaction and cost reduction of zakah institution.

Signifikan: Jurnal Ilmu Ekonomi, 2022

A digital finance service breakthrough is essential to get better financialassistance to optimize... more A digital finance service breakthrough is essential to get better financialassistance to optimize financial inclusion, and the effectivenessrequires technological support in banking financial services. Thestudy investigates the effect of digital finance on financial inclusionin Indonesians’ banking industry. We develop the new measurement,namely average digital finance (ADF), and use loan transactionsto proxy financial inclusion. The samples are six banking during2013-2019, and we use panel data regression to test the hypothesisand do a robustness check. Our result confirms that ADF positivelyimpacts financial inclusion and finds evidence of bank size’s role indigital finance and financial inclusion. It implicates banks’ strategyfor optimizing financial inclusion based on its characteristics suchas age, profitability, and efficiency. It contributes to digital finance’sgovernment policy for using explored internet banking and mobilebanking stimulatingly.Widarwati, E., Solihin, A., & ...

Economic development has been followed by payment system. The evolution of payment system was beg... more Economic development has been followed by payment system. The evolution of payment system was begin from change system barter, money commodity,cash, coin, check and other banking products such as ATM cards. Benefits of using an ATM card are either directly or indirectly affecting a person's behavior in consumptive consumption activities. This consumptive lifestyle factors, it seems that they do not apply financial literacy in making financial decisions in their daily lives. Meanwhile, sufficient financial management skills and knowledge of financial literacy have a very important role at a young age. The method of research conducted by the authors in this final project is a quantitative descriptive method by using a simple linear regression analysis tool using 100 respondents ATM users in the city of Subang. Statistical methods for testing data using SPSS 22 for windows. By using simple linear regression analysis, the result of equation Y = 16,714 + 0,338X1 + e. From the results...

This study aims to examine the effect of credit risk and liquidity risk to commercial islamic ba... more This study aims to examine the effect of credit risk and liquidity risk to commercial islamic bank performance. Credit risk is proxied by NPF, and liquidity risk is proxied by FDR while performance is proxied by ROA, in addition this research use control variable, there are Size and Leverage. The data in this study obtaine from the Company's Financial Statements Banking Publications from each company’s website. Based on saturate sampling method, the sample is 12 of commercial islamic bank in Indonesia periode 2010-2015, observation unit total is 66 (unbalanced panel) . The type of data is secondary data, which is a combination of time series and cross section data. The methodology is the Generalized Least Square (GLS) panel data analysis with FEM model, use annual data from twelve Islamic banks, which listed in Otoritas Jasa Keuangan (OJK) for the periode 2010-2015 and use statistic tool Eviews 8. The results shows that the variable NPF as credit risk’s proxy is significant ne...

Financial inclusion began as a consequence of 2008 crisis. This is because there are still many p... more Financial inclusion began as a consequence of 2008 crisis. This is because there are still many people who are classified as unbanked. Indonesia is a country with a high unbanked population. Providing an ease of banking access, unbanked community can affect the stability of sharia banking as one of the formal financial institutions. The objective of this research is to find out the effect of financial inclusion on stability of sharia banking in Indonesia. This research is a quantitative research using one dependent variable that is Non Performing Financing as proxy of syariah banking stability and two independent variable that is SMEs Small Medium Enterprises Loan as proxy of financial inclusion and variable of deposit. The data used in this research is obtained from the Annual Report of Banking Company Publication from each company webpage. Purposive Sampling method used in this research is 5 syariah bank in Indonesia in 2011-2016, total observation unit is 30. The type of data use...

This study is a simulation which aims to knowing the performance of logistic management to suppor... more This study is a simulation which aims to knowing the performance of logistic management to supports supply chain management activities in Sanyere Craft Subang SMEs. To measure the performance of logistics management the researcher proposes several Key Performance Indicators (KPIs) using Balance Scorecard approach related to logistics management. A total of 20 KPIs are proposed to SMEs owners and processed using AHP (Analityc Hierarchy Process). To knowing the level of logistic management performance then used descriptive survey method by providing questionnaires to respondents based of the Balanced Scorecard perspective. The results showing that from 20 KPIs obtained 4 KPIs priority that is Employee Skill, Cost of Ordering Material, Product Quality Assurance, and Production Scheduling. Overall the results of the analysis of the questionnaire data on the level of logistics management performance based on the 4 perspectives of Balance Scorecard are in the "good" category, wh...

Mutual funds syariah are other investment opportunities with measurable risk and return is high e... more Mutual funds syariah are other investment opportunities with measurable risk and return is high enough with enough capital affordable to the community. Mutual funds syariah have an Investment Manager with the ability and knowledge of the market it is or will happen. Therefore, mutual funds syariah selected by investors because it is cheap, easy and "managed by the experts". This research analysted do stock selection skill, market timing ability, Turnover ratio and Cashflow can influence the performance of equity mutual funds syariah in Indonesia. The data used in this research are data on financial statements , Net Asset Value (NAV), SBI, IHSG, yearly data and prospectus of 10 equity mutual fund syariah that were sampled during this research report from 2011-2014. As a research methodology, we used F test and t test to examine research’s hypothesis, also used assumption classic test there are normality test, autocorrelation test, heteroscedasticity test and multicolinearit...

Jurnal kajian akuntansi, May 5, 2024

Journal of Management & Muamalah, Jun 27, 2024

Repository Sekolah Tinggi Ilmu Ekonomi Sutaatmadja, 2020

This study aims to determine the effect of social media on purchasing decisions in SME Busrain Su... more This study aims to determine the effect of social media on purchasing decisions in SME Busrain Subang. The object studied in this study is Social Media as an independent variable and Purchase Decision as a variable. The sample in this research is Busrain Subang consumers. Researchers distributed questionnaires to 80 respondents. The method in this study is quantitative using simple linear regression analysis techniques to determine the effect of each variable and to find the results of the hypothesis. Sources of data used are primary data and secondary data. Data collection techniques used literature study, observation, interviews, and online questionnaires. The results showed that social media had an effect on purchasing decisions in SME Busrain Subang. The results showed that in this study there was a significant relationship value on the variables of social media and purchasing decisions. Results Based on the research and discussion entitled "The Influence of Media on Purchase Decisions in Busrain Subang SMEs", it can be taken as follows: according to the results of hypothesis testing; Partial Significance Test (t-Statistic Test), and Coefficient of Determination, is the influence between Social Media on Purchase Decisions in Busrain Subang. Suggestions from researchers Based on the results of this promotion, Subang Busrain must increase or advertise in order to increase sales. The implications and limitations of this study are that research using a small sample describes results that are less than optimal. Research during a pandemic is considered difficult because of the absence of valid social services.

This study aims to determine the effect of social media on purchasing decisions in SME Busrain Su... more This study aims to determine the effect of social media on purchasing decisions in SME Busrain Subang. The object studied in this study is Social Media as an independent variable and Purchase Decision as a variable. The sample in this research is Busrain Subang consumers. Researchers distributed questionnaires to 80 respondents. The method in this study is quantitative using simple linear regression analysis techniques to determine the effect of each variable and to find the results of the hypothesis. Sources of data used are primary data and secondary data. Data collection techniques used literature study, observation, interviews, and online questionnaires. The results showed that social media had an effect on purchasing decisions in SME Busrain Subang. The results showed that in this study there was a significant relationship value on the variables of social media and purchasing decisions. Results Based on the research and discussion entitled "The Influence of Media on Purchase Decisions in Busrain Subang SMEs", it can be taken as follows: according to the results of hypothesis testing; Partial Significance Test (t-Statistic Test), and Coefficient of Determination, is the influence between Social Media on Purchase Decisions in Busrain Subang. Suggestions from researchers Based on the results of this promotion, Subang Busrain must increase or advertise in order to increase sales. The implications and limitations of this study are that research using a small sample describes results that are less than optimal. Research during a pandemic is considered difficult because of the absence of valid social services.

ETIKONOMI

Governance becomes a guideline for the banking management system and is essential for banking sur... more Governance becomes a guideline for the banking management system and is essential for banking survival during regular economic crises. We investigate the impact of governance on performance in the Indonesians' conventional and examine the mediating role of bank risk in bank governance and performance relationship. The samples are 18 conventional banks listed on Indonesia Stock Exchange (IDX) from 2014 to 2021 and analyzed using panel data regression and sobel test. We find the risk of state-own bank higher than private bank and foreign bank that could leads to lower performance. Then the results indicate that board size and board age influence bank risk and bank performance. Banks should consider the board size for efficiency and also the maximum standard of their directors' age based on arguments related to innovation-based work productivity in the competitive banking industry. The subsequent exploration of banking governance research is needed by examining the differences ...

Etikonomi, 2022

Governance becomes a guideline for the banking management system and is essential for banking sur... more Governance becomes a guideline for the banking management system and is essential for banking survival during regular economic crises. We investigate the impact of governance on performance in the Indonesians' conventional and examine the mediating role of bank risk in bank governance and performance relationship. The samples are 18 conventional banks listed on Indonesia Stock Exchange (IDX) from 2014 to 2021 and analyzed using panel data regression and the Sobel test. We find that the risk of stateown banks is higher than private and foreign banks, which could lead to lower performance. Then the results indicate that board size and board age impacted bank risk and performance. Banks should consider the board size for efficiency and the maximum standard of their directors' age based on arguments related to innovation-based work productivity in the competitive banking industry. Examining the differences in bank ownership and bank characteristics linked to bank risk needs the subsequent exploration of banking governance research. This result is strong evidence of mediation in this study.

The purpose of this research is to analyze the implementation of green financing and to find an i... more The purpose of this research is to analyze the implementation of green financing and to find an impact of application of green financing toward earning pt.airasia. Industri activities oftentimes give some bad impact to environment surrounding. Green financing is a Financing or lending to businesses that are environmentally friendly. The implementation of green financial can give good image for the company however preliminary research found not many companies are implementing green financial. This research will use quantitave approach and different test or  paired T-test will use for statistical testing, in order to test the research assumptions. Variable of this research are Green financial and Earning. This research is expected will contribute for the development of green financial theory and enhancement of the implementation of green financial especially in airline on Asian Economic community era

This study aims to explain the role of corporate social responsibility (CSR) on the financial per... more This study aims to explain the role of corporate social responsibility (CSR) on the financial performance of a case study of the airline company Airasia Berhad This research data collection method is a literature study, and researchers obtain information from Airasia Berhad's annual report. based on the results of this study CSR has an important role on financial performance with the reputation and achievements of companies that care about the environment to be more value for stakeholders in considering buying company shares so that it has an impact on rising company stock prices

Some of global financial crisis that occurred in 2008 - 2013 provided the importance of measureme... more Some of global financial crisis that occurred in 2008 - 2013 provided the importance of measurement in systemic risk of financial system. Some models has been developed to monitor, identify and asses potential risks that can threaten stability of financial system. FDC is one of important tools to identify early risks of financial system that can reduce the crisis losses before it lead in bankruptcy. This research aimed to provide evidence on financial distress cost in Indonesia’s Banking by using liquidity risk and financing quality as independent variables and datas sourced from Indonesian Banking Statistics 2010 – 2015. The result proposes a notion of financial distress cost that should be considered link between financial distress cost and bankruptcy risk.

The purpose of this study is to determine the efficiency and performance of Islamic banking in In... more The purpose of this study is to determine the efficiency and performance of Islamic banking in Indonesia and the effect of the relationship between efficiency on the performance of Islamic banking in Indonesia. This type of research is descriptive. With the research object is the financial statements of 11 Islamic banks in Indonesia. The data analysis method used is Data Envelopment Analysis (DEA), ratio analysis, and panel data. The results showed that based on the DEA analysis, the overall average of Islamic banks reached an efficiency of 95.1%, and in several periods the 11 banks had an efficiency level of 100%. In the ROA ratio analysis, it shows that Islamic banks are in bad condition, the NIM ratio analysis shows that Islamic banks are in good condition. The analysis of the effect of the DEA analysis with the ROA and NIM ratios shows that the ROA ratio is not significant and has a negative effect on DEA. The NIM ratio has a positive and significant effect on the DEA analysis. ...

Jurnal Pasar Modal dan Bisnis , 2022

The improvization of sustainability performance for creating the long-term value requires good go... more The improvization of sustainability performance for creating the long-term value requires good governance in order to achieve a high productivity and control costs. Firm's ability managing assets efficiently should be synergized with good corporate sustainability information disclosure. Efficiency management is important for corporate sustainability. A better firm's managerial improvement will increase firm's sustainability performance. This is early study analyzing the firm efficiency for achieving corporate sustainability performance in terms of economic, environmental, or social aspects. Furthermore, the study test the impact of efficiency management on corporate sustainability performance in Indonesian's non financial industry. This study uses purposive sampling technique and the samples include infrastructure, healthy, industrial, basic material, and non primer sector of IDX in 2019-2020. The analytical tools using descriptive statistic, simple regression, and T-test The results show that efficiency management has a significant effect on corporate sustainability performance. Separated effect of efficiency management significant on economic aspect but different finding on environment and social aspect. Next research should explore deeply the topic using long period and complex model approac. The finding this study lead to the significance of efficiency management as breakthrough for optimizing corporate sustainability performance.

Indonesian Capital Market Review, 2019

The business performance become an important thing to be main goal of firm activities to get the ... more The business performance become an important thing to be main goal of firm activities to get the competitive advantage, but it is contrary with the recession may bring a probability of firm's decreasing and liquidation. The uncertainty of global economy provides the importance in developing model to monitor, identify and asses potential risks which can threat business sustainability. Cost of Financial Distress (CFD) is one of tools for identifying firm performance decline early risk such as sales growth and stock return, so it can reduce the loss possibility before all lead to bankruptcy. This research aims to explain the evidence of CFD in Indonesia by using opportunity loss and consequency to firm performance. The datas used are 231 firms of Indonesia Stock Exchange (IDX) in 2011-2015 and panel regression used for presenting the impact of CFD to firm performance. Consistency of the theory that cost tend to increase following cash flow realization which may be lower in uncertainty of economiy. The analysis finds that Indonesia's industry have higher CFD and low sales growth after based year of uncertainty economy. The regression result also finds CFD have negative impact to firm's sales growth. The result propose that CFD can be used as an early detection tool for reducing loss possibility of firm's market share.

TSARWATICA (Islamic Economic, Accounting, and Management Journal), 2019

Mutual funds syariah are other investment opportunities with measurable risk and return is high e... more Mutual funds syariah are other investment opportunities with measurable risk and return is high enough with enough capital affordable to the community. Mutual funds syariah have an Investment Manager with the ability and knowledge of the market it is or will happen. Therefore, mutual funds syariah selected by investors because it is cheap, easy and "managed by the experts". This research analysted do stock selection skill, market timing ability, Turnover ratio and Cashflow can influence the performance of equity mutual funds syariah in Indonesia. The data used in this research are data on financial statements , Net Asset Value (NAV), SBI, IHSG, yearly data and prospectus of 10 equity mutual fund syariah that were sampled during this research report from 2011-2014. As a research methodology, we used F test and t test to examine research’s hypothesis, also used assumption classic test there are normality test, autocorrelation test, heteroscedasticity test and multicolinearit...

Al-Iqtishad: Journal of Islamic Economics, 2016

Strategic Approach for Optimizing of Zakah Institution Performance: Customer Relationship Managem... more Strategic Approach for Optimizing of Zakah Institution Performance: Customer Relationship Management. Zakahh is part of the Indonesian economy, which requires the development and structuring. The funds of zakah must be well managed by organizational zakah system which should be improved its performance. Therefore, there is a need of new approach concerning the zakah management based on muzakki's behavior as an important resource in zakah institution. This paper explores the role of Customer Relationship Management (CRM) in zakah institution linked the important of muzakki's contribution who use services of its. Then it aims to expand the understanding about how CRM as one of strategic approach for organization such zakah institution to improve its performance which employes three main aspect of CRM, which are form of personnel (behavior of personnel), business process, and using technology. Furthermore, this paper tries to depict how CRM is able to raise the zakah funds collection from Moslem society especially Middle Class Moslem in Indonesia by customer (muzakki) satisfaction and cost reduction of zakah institution.

Signifikan: Jurnal Ilmu Ekonomi, 2022

A digital finance service breakthrough is essential to get better financialassistance to optimize... more A digital finance service breakthrough is essential to get better financialassistance to optimize financial inclusion, and the effectivenessrequires technological support in banking financial services. Thestudy investigates the effect of digital finance on financial inclusionin Indonesians’ banking industry. We develop the new measurement,namely average digital finance (ADF), and use loan transactionsto proxy financial inclusion. The samples are six banking during2013-2019, and we use panel data regression to test the hypothesisand do a robustness check. Our result confirms that ADF positivelyimpacts financial inclusion and finds evidence of bank size’s role indigital finance and financial inclusion. It implicates banks’ strategyfor optimizing financial inclusion based on its characteristics suchas age, profitability, and efficiency. It contributes to digital finance’sgovernment policy for using explored internet banking and mobilebanking stimulatingly.Widarwati, E., Solihin, A., & ...

Economic development has been followed by payment system. The evolution of payment system was beg... more Economic development has been followed by payment system. The evolution of payment system was begin from change system barter, money commodity,cash, coin, check and other banking products such as ATM cards. Benefits of using an ATM card are either directly or indirectly affecting a person's behavior in consumptive consumption activities. This consumptive lifestyle factors, it seems that they do not apply financial literacy in making financial decisions in their daily lives. Meanwhile, sufficient financial management skills and knowledge of financial literacy have a very important role at a young age. The method of research conducted by the authors in this final project is a quantitative descriptive method by using a simple linear regression analysis tool using 100 respondents ATM users in the city of Subang. Statistical methods for testing data using SPSS 22 for windows. By using simple linear regression analysis, the result of equation Y = 16,714 + 0,338X1 + e. From the results...

This study aims to examine the effect of credit risk and liquidity risk to commercial islamic ba... more This study aims to examine the effect of credit risk and liquidity risk to commercial islamic bank performance. Credit risk is proxied by NPF, and liquidity risk is proxied by FDR while performance is proxied by ROA, in addition this research use control variable, there are Size and Leverage. The data in this study obtaine from the Company's Financial Statements Banking Publications from each company’s website. Based on saturate sampling method, the sample is 12 of commercial islamic bank in Indonesia periode 2010-2015, observation unit total is 66 (unbalanced panel) . The type of data is secondary data, which is a combination of time series and cross section data. The methodology is the Generalized Least Square (GLS) panel data analysis with FEM model, use annual data from twelve Islamic banks, which listed in Otoritas Jasa Keuangan (OJK) for the periode 2010-2015 and use statistic tool Eviews 8. The results shows that the variable NPF as credit risk’s proxy is significant ne...

Financial inclusion began as a consequence of 2008 crisis. This is because there are still many p... more Financial inclusion began as a consequence of 2008 crisis. This is because there are still many people who are classified as unbanked. Indonesia is a country with a high unbanked population. Providing an ease of banking access, unbanked community can affect the stability of sharia banking as one of the formal financial institutions. The objective of this research is to find out the effect of financial inclusion on stability of sharia banking in Indonesia. This research is a quantitative research using one dependent variable that is Non Performing Financing as proxy of syariah banking stability and two independent variable that is SMEs Small Medium Enterprises Loan as proxy of financial inclusion and variable of deposit. The data used in this research is obtained from the Annual Report of Banking Company Publication from each company webpage. Purposive Sampling method used in this research is 5 syariah bank in Indonesia in 2011-2016, total observation unit is 30. The type of data use...

This study is a simulation which aims to knowing the performance of logistic management to suppor... more This study is a simulation which aims to knowing the performance of logistic management to supports supply chain management activities in Sanyere Craft Subang SMEs. To measure the performance of logistics management the researcher proposes several Key Performance Indicators (KPIs) using Balance Scorecard approach related to logistics management. A total of 20 KPIs are proposed to SMEs owners and processed using AHP (Analityc Hierarchy Process). To knowing the level of logistic management performance then used descriptive survey method by providing questionnaires to respondents based of the Balanced Scorecard perspective. The results showing that from 20 KPIs obtained 4 KPIs priority that is Employee Skill, Cost of Ordering Material, Product Quality Assurance, and Production Scheduling. Overall the results of the analysis of the questionnaire data on the level of logistics management performance based on the 4 perspectives of Balance Scorecard are in the "good" category, wh...

Mutual funds syariah are other investment opportunities with measurable risk and return is high e... more Mutual funds syariah are other investment opportunities with measurable risk and return is high enough with enough capital affordable to the community. Mutual funds syariah have an Investment Manager with the ability and knowledge of the market it is or will happen. Therefore, mutual funds syariah selected by investors because it is cheap, easy and "managed by the experts". This research analysted do stock selection skill, market timing ability, Turnover ratio and Cashflow can influence the performance of equity mutual funds syariah in Indonesia. The data used in this research are data on financial statements , Net Asset Value (NAV), SBI, IHSG, yearly data and prospectus of 10 equity mutual fund syariah that were sampled during this research report from 2011-2014. As a research methodology, we used F test and t test to examine research’s hypothesis, also used assumption classic test there are normality test, autocorrelation test, heteroscedasticity test and multicolinearit...

The efficiencies related to business activities and needed for competitive advantage. An efficien... more The efficiencies related to business activities and needed for competitive advantage. An efficiency bank is important for its capability in mobilizing public funds or channelling funds to people who need business capital. The study tests the effect of the relationship between efficiency on the performance of Sharia banking in Indonesia. The research type is descriptive. The research object is the financial statements of 11 Sharia banks in Indonesia. The data analysis method used is Data Envelopment Analysis (DEA), ratio analysis, and panel data. The results showed that based on the DEA analysis, the overall average of Sharia banks reached an efficiency of 95.1% and the bank's efficiency impacts to NIM but contras finding on ROA. It implicates that sharia banking should be able to manage time, funds, costs as best as possible as well as avoiding risks and interests for optimizing profit.