helmi haris - Academia.edu (original) (raw)
Papers by helmi haris
This study aims to examine the effect of Investment Decisions, Funding Decisions, and Dividend Po... more This study aims to examine the effect of Investment Decisions, Funding Decisions, and Dividend Policies on Company Values registered in the Jakarta Islamic Index (JII) in 2014-2016. Total Asset Growth (TAG) is used as a proxy for investment decisions, Debt to Equity Ratio (DER) as a proxy for funding decisions, Dividend Payout Ratio (DPR) as a proxy for dividend policy and Price Book Value (PBV) as a proxy for company value. The population used in this study were companies registered in JII during the study period. This study uses quantitative methods. The method of determining samples using purposive sampling technique. The samples used were 11 companies registered in JII 2014-2016. The dependent variable in this study is the value of the company, and the independent variable consists of investment decisions, funding decisions and dividend policies. The method used is a multiple linear regression analysis method that is processed with SPSS. The results of the regression analysis sh...
Qardh is a financing channeled by a sharia bank withoutexpectationof a reward.Qardh financing is ... more Qardh is a financing channeled by a sharia bank withoutexpectationof a reward.Qardh financing is categorized in a mutual aid contract and it’s not a commercial transaction. Although not a commercial product, Qardh financing very important to be applied in a proportional amount because it belongs to the characteristics of sharia banks. This study aims to determine empirically the effect of qardh financing to Non Perfoming Financing (NPF) in sharia banks for the year 2014-2017 and this research is a quantitative research. The population in this study are 13 sharia banks in Indonesia. The method of determining the sample using purposive sampling. The sample used is 7 sharia banks. This research uses secondary data from quarterly financial report that uploaded on each site of sharia bank and processed using spss 20. The result of regression analysis shows that the variable of qardh financing has positive effect on NPF in sharia bank for the year 2014-2017. So that in qardh financing it ...
Banyak perusahaan harus memiliki daya saing tersendiri agar bisa bertahan di lingkungannya, setel... more Banyak perusahaan harus memiliki daya saing tersendiri agar bisa bertahan di lingkungannya, setelah terjadi krisis ekonomi global. Untuk tetap bertahan dalam persaingan global tersebut, umumnya setiap perusahaan telah membangun strategi mereka sendiri sekaligus mengumpulkan maksimalisasi keuntungan. Selama dekade terakhir, merger, akuisisi, spin-off dan bentuk ekspansi lainnya dalam operasi telah menurun tajam, dan banyak konglomerat terpaksa melakukan perampingan dan memfokuskan bisnis mereka pada kompetensi inti beberapa perusahaan mereka mengambil keputusan spin-off untuk mendapatkan keuntungan yang lebih. Dilakukannya penelitian ini bertujuan untuk mengetahui perbandingan kinerja keuangan bank syariah sebelum dan sesudah spin-off dilihat dari rasio Biaya Opersional terhadap Pendapatan Operasional (BOPO), Net Profit Margin (NPM), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposite Ratio (FDR). Sampel penelitian yang digu...
Dalam Islam kedudukan manus1a sangat kompleks, karena selain diciptakan sebagai hmnba yang bertug... more Dalam Islam kedudukan manus1a sangat kompleks, karena selain diciptakan sebagai hmnba yang bertugas untuk bisa berhubungan dengan-Nya, manusia juga mengemban tugas untuk bisa berhubungan dengan sesamanya. Oleh karena itu, dalam perspektif ini, manusia secara inhem hams memiliki wawasan horizontal dan vertikal. Wawasan horizontal dibutuhkan manusia dalam bergaul dengan sesamanya, s~~angkan wawasan vertikaiJdibutuhkan manusia ketika dia harus mengoreksi dan mengintrospeksi dirinya. Di sinilah letak karakteristik Islam, di satu sisi, seorang manusia harus memenuhi hak-hak Allal1 dalam bentuk penyelesaian atau pelaksanaan aspekaspek ubudiyyah Islam. Di sisi lain -tanpa menafikan hak yang dimilikinya seseorang juga harus memenuhi apa yang menjadi hak orang lain dalam komunitas sosial.
el-Jizya : Jurnal Ekonomi Islam
The purpose of this aims to examine whether those four types of financing respectively impact ROA... more The purpose of this aims to examine whether those four types of financing respectively impact ROA, revenue, and ROA through revenue at Islamic Commercial Banks in 2017-2020. This quantitative associative study analyzes data using the SPSS version 25 program. Also, SOBEL, a macro developed by Andrew F. Hayes which is integrated with SPSS, is used for testing the mediation effect. The population includes all Islamic Commercial Banks with samples of Islamic banks performing the transaction of the four financings are Bank Muamalat Indonesia, Bank Mandiri Syariah, BNI Syariah, BRI Syariah, Bank Jabar Banten Syariah, BCA Syariah, and Bukopin Syariah. The study shows that those financings simultaneously have a positive effect on ROA and revenue. In addition, revenue is able to mediate the influence of murabahah, mudharabah, and ijarah financing on ROA, but it fails to mediate musyarakah. This study concludes that the four financings are the factors that can affect the rise and fall of the ...
La_Riba, 2007
here in the economic side. It is a fact that Islamic economic institutions, especially willing to... more here in the economic side. It is a fact that Islamic economic institutions, especially willing to serve the costumer who want an Islamic banking transaction with the Islamic windows, or known as UUS (unit usaha syari'ah). the the Islamic banks in Indonesia attract the will of the people, that basicly want to innovations in product.
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah, 2012
This research aims to analyze the influence of service quality and advertisingpartially and simul... more This research aims to analyze the influence of service quality and advertisingpartially and simultaneously against the costumer decisions in saving money at Bank Tabungan Negara (BTN) Syariah Surakarta. The population in this research are the total number of clients who save in Bank Tabungan Negara (BTN) Sharia Surakarta and using the Accidental Sampling as the method in sampling (numbers of sample are 98 respondent). The analysis tool that used in this research is “multiple linear regression”, which previously tested the validity and realibility as well as the classic assumption test. Based on the partial testing, both of service quality and advertising have significant influence positively with the level of á = 5% (0,05). The simultaneous test showed that the influence of service quality and advertising is significant with calculate F value 29.629 and the value of F table is 3.09
This study aims to measure the real readiness of the development of halal tourism in Indonesia. T... more This study aims to measure the real readiness of the development of halal tourism in Indonesia. There were different views of the awards received by the two regions in Indonesia at The World Halal Tourism Award 2016 which were decided based on the polling, not based on the real conditions of halal tourism. The present study used the GMTI with four indicators namely access, telecommunications network, environment, and services in measuring tourist responses toward their interests in visiting West Sumatra. This research used quantitative methods and the samples were taken by purposive sampling with a sample of 50 non-local Muslim tourist respondents who have previously visited West Sumatra. The data were analyzed using simple linear regression employing SPSS ver. 21. The findings of the present study showed that the four GMTI indicators have significant effects on the intention of Muslim tourists in visiting West Sumatra.
This title of this reseacrh ia the analysis of electronic money literacy level. The purpose of th... more This title of this reseacrh ia the analysis of electronic money literacy level. The purpose of this research was to examine the level of electronic money literacy and examine the different levels of understanding of electronic money in Surakarta society. This data used in this study is primary data and secondary data. The collecting of the primary data is done by giving the questionnaire to the community a total of 100 questionnaires. While the secondary data are obtained from book , literature, the internet, and other media.Data analysis method used by this research were descriptive statistic and ANOVA. The level of electronic money lieracy was 64,60%. The test result revealed that there was direfication of gebder, level of education, income and activity. While there is no difference in the age of electronic money. Key Words : Comprehension, Elctronic Money, Factor Demography
Shirkah: Journal of Economics and Business, Dec 25, 2019
The main objective of Shirkah is to offer an academic space of exchange ideas and initiate the in... more The main objective of Shirkah is to offer an academic space of exchange ideas and initiate the increase number of qualified article produced by postgraduate students, practitioners and academicians.
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah, Jun 1, 2013
Kinerja merupakan salah satu indikator efisiensi dalam perusahaan termasuk bank syariah. Pengukur... more Kinerja merupakan salah satu indikator efisiensi dalam perusahaan termasuk bank syariah. Pengukuran kinerja yang lazim dilakukan oleh bank syariah adalah menggunakan rasio keuangan. Namun pengukuran kinerja dengan menggunakan rasio keuangan tidak dapat menunjukkan kondisi bank syariah jujur. Metode Data Envelopment Analysis (DEA) dapat mengatasi keterbatasan sarana pengukuran kinerja yang mampu menangani banyak input dan output. Metode DEA adalah pemrograman linier yang bertujuan untuk memaksimalkan input dan output. Pene litian ini bertujuan untuk mengetahui dan menganalisis kinerja keuangan bank umum syariah melalui metode DEA dalam periode 2008-2011. Sampel penelitian ini dari dua bank umum syariah, Bank Muamalat Indonesia dan Bank Syariah Mandiri. Penelitian ini menggunakan variabel input yang terdiri dari deposito, aset, dan biaya personil serta menggunakan variabel output yang terdiri dari jumlah pembiayaan dan pendapatan operasional. Adapun Hasil penelitian menunjuk kan bahwa bank umum syariah devisa yang secara kontinyu memiliki efisiensi 100 % adalah Bank Muamalat Indonesia selama periode observasi. Se
This study aims to examine the effect of Investment Decisions, Funding Decisions, and Dividend Po... more This study aims to examine the effect of Investment Decisions, Funding Decisions, and Dividend Policies on Company Values registered in the Jakarta Islamic Index (JII) in 2014-2016. Total Asset Growth (TAG) is used as a proxy for investment decisions, Debt to Equity Ratio (DER) as a proxy for funding decisions, Dividend Payout Ratio (DPR) as a proxy for dividend policy and Price Book Value (PBV) as a proxy for company value. The population used in this study were companies registered in JII during the study period. This study uses quantitative methods. The method of determining samples using purposive sampling technique. The samples used were 11 companies registered in JII 2014-2016. The dependent variable in this study is the value of the company, and the independent variable consists of investment decisions, funding decisions and dividend policies. The method used is a multiple linear regression analysis method that is processed with SPSS. The results of the regression analysis sh...
Qardh is a financing channeled by a sharia bank withoutexpectationof a reward.Qardh financing is ... more Qardh is a financing channeled by a sharia bank withoutexpectationof a reward.Qardh financing is categorized in a mutual aid contract and it’s not a commercial transaction. Although not a commercial product, Qardh financing very important to be applied in a proportional amount because it belongs to the characteristics of sharia banks. This study aims to determine empirically the effect of qardh financing to Non Perfoming Financing (NPF) in sharia banks for the year 2014-2017 and this research is a quantitative research. The population in this study are 13 sharia banks in Indonesia. The method of determining the sample using purposive sampling. The sample used is 7 sharia banks. This research uses secondary data from quarterly financial report that uploaded on each site of sharia bank and processed using spss 20. The result of regression analysis shows that the variable of qardh financing has positive effect on NPF in sharia bank for the year 2014-2017. So that in qardh financing it ...
Banyak perusahaan harus memiliki daya saing tersendiri agar bisa bertahan di lingkungannya, setel... more Banyak perusahaan harus memiliki daya saing tersendiri agar bisa bertahan di lingkungannya, setelah terjadi krisis ekonomi global. Untuk tetap bertahan dalam persaingan global tersebut, umumnya setiap perusahaan telah membangun strategi mereka sendiri sekaligus mengumpulkan maksimalisasi keuntungan. Selama dekade terakhir, merger, akuisisi, spin-off dan bentuk ekspansi lainnya dalam operasi telah menurun tajam, dan banyak konglomerat terpaksa melakukan perampingan dan memfokuskan bisnis mereka pada kompetensi inti beberapa perusahaan mereka mengambil keputusan spin-off untuk mendapatkan keuntungan yang lebih. Dilakukannya penelitian ini bertujuan untuk mengetahui perbandingan kinerja keuangan bank syariah sebelum dan sesudah spin-off dilihat dari rasio Biaya Opersional terhadap Pendapatan Operasional (BOPO), Net Profit Margin (NPM), Return On Assets (ROA), Capital Adequacy Ratio (CAR), Non Performing Financing (NPF), dan Financing to Deposite Ratio (FDR). Sampel penelitian yang digu...
Dalam Islam kedudukan manus1a sangat kompleks, karena selain diciptakan sebagai hmnba yang bertug... more Dalam Islam kedudukan manus1a sangat kompleks, karena selain diciptakan sebagai hmnba yang bertugas untuk bisa berhubungan dengan-Nya, manusia juga mengemban tugas untuk bisa berhubungan dengan sesamanya. Oleh karena itu, dalam perspektif ini, manusia secara inhem hams memiliki wawasan horizontal dan vertikal. Wawasan horizontal dibutuhkan manusia dalam bergaul dengan sesamanya, s~~angkan wawasan vertikaiJdibutuhkan manusia ketika dia harus mengoreksi dan mengintrospeksi dirinya. Di sinilah letak karakteristik Islam, di satu sisi, seorang manusia harus memenuhi hak-hak Allal1 dalam bentuk penyelesaian atau pelaksanaan aspekaspek ubudiyyah Islam. Di sisi lain -tanpa menafikan hak yang dimilikinya seseorang juga harus memenuhi apa yang menjadi hak orang lain dalam komunitas sosial.
el-Jizya : Jurnal Ekonomi Islam
The purpose of this aims to examine whether those four types of financing respectively impact ROA... more The purpose of this aims to examine whether those four types of financing respectively impact ROA, revenue, and ROA through revenue at Islamic Commercial Banks in 2017-2020. This quantitative associative study analyzes data using the SPSS version 25 program. Also, SOBEL, a macro developed by Andrew F. Hayes which is integrated with SPSS, is used for testing the mediation effect. The population includes all Islamic Commercial Banks with samples of Islamic banks performing the transaction of the four financings are Bank Muamalat Indonesia, Bank Mandiri Syariah, BNI Syariah, BRI Syariah, Bank Jabar Banten Syariah, BCA Syariah, and Bukopin Syariah. The study shows that those financings simultaneously have a positive effect on ROA and revenue. In addition, revenue is able to mediate the influence of murabahah, mudharabah, and ijarah financing on ROA, but it fails to mediate musyarakah. This study concludes that the four financings are the factors that can affect the rise and fall of the ...
La_Riba, 2007
here in the economic side. It is a fact that Islamic economic institutions, especially willing to... more here in the economic side. It is a fact that Islamic economic institutions, especially willing to serve the costumer who want an Islamic banking transaction with the Islamic windows, or known as UUS (unit usaha syari'ah). the the Islamic banks in Indonesia attract the will of the people, that basicly want to innovations in product.
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah, 2012
This research aims to analyze the influence of service quality and advertisingpartially and simul... more This research aims to analyze the influence of service quality and advertisingpartially and simultaneously against the costumer decisions in saving money at Bank Tabungan Negara (BTN) Syariah Surakarta. The population in this research are the total number of clients who save in Bank Tabungan Negara (BTN) Sharia Surakarta and using the Accidental Sampling as the method in sampling (numbers of sample are 98 respondent). The analysis tool that used in this research is “multiple linear regression”, which previously tested the validity and realibility as well as the classic assumption test. Based on the partial testing, both of service quality and advertising have significant influence positively with the level of á = 5% (0,05). The simultaneous test showed that the influence of service quality and advertising is significant with calculate F value 29.629 and the value of F table is 3.09
This study aims to measure the real readiness of the development of halal tourism in Indonesia. T... more This study aims to measure the real readiness of the development of halal tourism in Indonesia. There were different views of the awards received by the two regions in Indonesia at The World Halal Tourism Award 2016 which were decided based on the polling, not based on the real conditions of halal tourism. The present study used the GMTI with four indicators namely access, telecommunications network, environment, and services in measuring tourist responses toward their interests in visiting West Sumatra. This research used quantitative methods and the samples were taken by purposive sampling with a sample of 50 non-local Muslim tourist respondents who have previously visited West Sumatra. The data were analyzed using simple linear regression employing SPSS ver. 21. The findings of the present study showed that the four GMTI indicators have significant effects on the intention of Muslim tourists in visiting West Sumatra.
This title of this reseacrh ia the analysis of electronic money literacy level. The purpose of th... more This title of this reseacrh ia the analysis of electronic money literacy level. The purpose of this research was to examine the level of electronic money literacy and examine the different levels of understanding of electronic money in Surakarta society. This data used in this study is primary data and secondary data. The collecting of the primary data is done by giving the questionnaire to the community a total of 100 questionnaires. While the secondary data are obtained from book , literature, the internet, and other media.Data analysis method used by this research were descriptive statistic and ANOVA. The level of electronic money lieracy was 64,60%. The test result revealed that there was direfication of gebder, level of education, income and activity. While there is no difference in the age of electronic money. Key Words : Comprehension, Elctronic Money, Factor Demography
Shirkah: Journal of Economics and Business, Dec 25, 2019
The main objective of Shirkah is to offer an academic space of exchange ideas and initiate the in... more The main objective of Shirkah is to offer an academic space of exchange ideas and initiate the increase number of qualified article produced by postgraduate students, practitioners and academicians.
Muqtasid: Jurnal Ekonomi dan Perbankan Syariah, Jun 1, 2013
Kinerja merupakan salah satu indikator efisiensi dalam perusahaan termasuk bank syariah. Pengukur... more Kinerja merupakan salah satu indikator efisiensi dalam perusahaan termasuk bank syariah. Pengukuran kinerja yang lazim dilakukan oleh bank syariah adalah menggunakan rasio keuangan. Namun pengukuran kinerja dengan menggunakan rasio keuangan tidak dapat menunjukkan kondisi bank syariah jujur. Metode Data Envelopment Analysis (DEA) dapat mengatasi keterbatasan sarana pengukuran kinerja yang mampu menangani banyak input dan output. Metode DEA adalah pemrograman linier yang bertujuan untuk memaksimalkan input dan output. Pene litian ini bertujuan untuk mengetahui dan menganalisis kinerja keuangan bank umum syariah melalui metode DEA dalam periode 2008-2011. Sampel penelitian ini dari dua bank umum syariah, Bank Muamalat Indonesia dan Bank Syariah Mandiri. Penelitian ini menggunakan variabel input yang terdiri dari deposito, aset, dan biaya personil serta menggunakan variabel output yang terdiri dari jumlah pembiayaan dan pendapatan operasional. Adapun Hasil penelitian menunjuk kan bahwa bank umum syariah devisa yang secara kontinyu memiliki efisiensi 100 % adalah Bank Muamalat Indonesia selama periode observasi. Se