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All Journal Jurnal Ilmiah Ekonomi Islam Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah SYIRKAH Al-Masharif: Jurnal Ilmu Ekonomi dan Keislaman Zhafir | Journal of Islamic Economics, Finance, and Banking Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Jurnal Baabu Al-ilmi : Ekonomi dan Perbankan Syariah MALIA: Journal of Islamic Banking and Finance Jurnal Ekonomi Rabbani EKSYA: Jurnal Ekonomi Syariah Jurnal Perbankan Syariah Darussalam (JPSDa) Transformasi: Journal of Economics and Business Management Digital Bisnis: Jurnal Publikasi Ilmu Manajemen Dan E-commerce Jurnal Publikasi Ilmu Manajemen Maliki Islamic Economics Journal Jurnal Manajemen Keuangan Syariah AT-TIJARAH: Journal Islamic Banking and Finance Research

Erwin Saputra Siregar

UIN Sulthan Thaha Saifuddin Jambi

Author-ID : 1269442

Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

Published : 21 Documents Claim Missing Document

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Analisis Pengaruh Faktor Internal dan Eksternal Perbankan Syariah terhadap Market Share Aset Perbankan Syariah di Indonesia Siregar, Erwin Saputra
Zhafir | Journal of Islamic Economics, Finance, and Banking Vol 1 No 1 (2019): Zhafir | Journal of Islamic, Economics, Finance, and Banking
Publisher : Kopertais Wilayah I DKI Jakarta dan Banten

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.51275/zhafir.v1i1.128

Penelitian ini bertujuan untuk menganalisis pengaruh faktor internal dan eksternal perbankan syariah terhadap market share aset perbankan syariah di Indonesia. Data yang digunakan adalah data time series periode Januari 2012 â€“ September 2016, yang bersumber dari Statistik Perbankan Indonesia dan Statistik Perbankan Syariah. Untuk menganalisis, penulis menggunakan metode Ordinary Least Square (OLS). Hasil penelitian ini menunjukkan bahwa variabel inflasi dan non performing financing (NPF) berpengaruh signifikan negatif, sedangkan dana pihak ketiga (DPK) dan jumlah kantor berpengaruh signifikan positif secara parsial terhadap market share aset perbankan syariah di Indonesia. Ditemukan dengan nilai Adjusted R Square 85,26%, sedangkan sisanya 15,74 dipengaruhi oleh faktor-faktor lain. Secara simultan, dengan nilai signifikan sebesar 0,000000 maka keseluruhan variabel independen memiliki pengaruh signifikan terhadap market share aset perbankan syariah di Indonesia.

Influence of Corporate Governance On Profit of Islamic Banks in Indonesia Period 2016-2020 Erwin Saputra Siregar; Muhamad Subhan; Rahmi Mardhatillah
Jurnal Ilmiah Ekonomi Islam Vol 7, No 3 (2021): JIEI : Vol. 7, No. 3, 2021
Publisher : ITB AAS INDONESIA Surakarta

Profitability in Islamic banks is one of the most critical elements. Meanwhile, corporate governance becomes the central aspect of Islamic banks in the company's internal management, including the quality of financial statements that have implications for profitability. The small proportion of independent boards of commissioners, audit committees, and board of directors leads to a potential decrease in profits at Islamic banks in Indonesia. This phenomenon is caused by the management of companies, including Islamic banks, less responding to the situation. The independent variables of this research are the proportion of separate boards of commissioners, audit committees, and boards of directors. At the same time, the dependent variable is profit. The data used in secondary data is the annual report of Islamic banks in Indonesia in 2016-2020. The analysis method uses multiple regression analysis of panel data. This study showed that the audit committee affected profits while the proportion of independent boards of commissioners and directors did not affect profits.

Menakar Potensi Bank Syariah Di Indonesia Pada Masa Covid-19 Erwin Saputra Siregar; Fitri Ana Siregar
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 8, No 2 (2020)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v8i2.3110

Abstract Economic growth is an indicator used to see the success of development. Sharia economy is expected to be a solution.The purpose of research is to examine and explain the potential extent of Islamic banks in Indonesia.This research is library research, which is a series of activities relating to the methods of collecting library data, reading, taking notes and processing research materials. This study used a qualitative approach. The results of this study, the potential of existing Islamic banks can be optimized with third party funds and number of offices, which are variables that can increase the market share of Islamic banks in Indonesia. A simple and fast government policy to boost the market share of Islamic banks with the establishment of a Sharia BUMN Bank. The number of offices in the current era is not only physical, but must be supported by the latest information technology. Abstrak Pertumbuhan ekonomi merupakan indikator yang digunakan untuk melihat keberhasilan pembangunan. Ekonomi syariah yang diharapkan menjadi solusi dari lemahnya sistem ekonomi. Tujuan penelitian ini untuk menelaah dan memaparkan sejauh mana potensi bank syariah di Indonesia serta melihat peluang pembangunan ekonomi pada masa yang akan datang. Jenis penelitian ini adalah library research, yaitu serangkaian kegiatan yang berkenaan dengan metode pengumpulan data pustaka, membaca, dan mencatat serta mengolah bahan penelitian. Penelitian ini menggunakan pendekatan kualitatif. Hasil penelitian ini potensi bank syariah yang ada dapat dioptimalkan dengan dana pihak ketiga dan jumlah kantor yang merupakan variabel yang bisa menaikkan market share bank syariah di Indonesia. Kebijakan pemerintah yang sederhana dan cepat untuk mendongkrak market share bank syariah dengan berdirinya Bank BUMN Syariah. Jumlah kantor di era sekarang bukan hanya berbentuk fisik, tetapi harus didukung dengan teknologi informasi yang paling mutakhir. Jumlah kantor sangat bergantung pada aset yang dimiliki bank syariah.

Pengaruh Rasio Camel terhadap Praktik Manajemen Laba di Bank Umum Syariah Indonesia Periode 2016-2019 Erwin Saputra Siregar; Siska Anggraini
Jurnal Masharif al-Syariah: Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Muhammadiyah Surabaya

Abstract This research aims to determine the influence of CAMEL ratio to profit management practices in Indonesian Islamic commercial banks for 2016-2019. This study uses independent variables: Capital Adequacy Ratio, Return On Asset, Non-Performing Financing, Financing to Deposit Ratio, and Ratio of Operating Expenses to Operating Expenses. Profit management at Islamic commercial banks is used as a dependent variable. The population in this research is all Islamic commercial banks registered with the Financial Services Authority from 2016 to 2019. The study used data from 13 Islamic commercial banks with a study period of 4 years, and the sample used in the study amounted to 53. The analytical method used in this study is multiple regression panel data processed with Eviews 10 and Microsoft Excel. The results showed that CAR and FDR did not affect profit management practices while ROA, NPF, and BOPO had on profit management at Islamic commercial banks in Indonesia.Keywords: CAR, ROA, NPF, FDR, BOPO, Profit Management. Abstrak Penelitian ini bertujuan untuk mengetahui pengaruh rasio CAMEL terhadap praktik manajemen laba di bank umum syariah Indonesia periode 2016-2019. Penelitian ini menggunakan variabel independen yaitu Capital Adequacy Ratio, Return on Asset, Non-Performing Financing, Financing to Deposite Ratio, dan Rasio Biaya Operasional terhadap Beban Operasional. Manajemen laba pada bank umum syariah digunakan sebagai variabel dependen. Populasi dalam peneilitian ini adalah seluruh bank umum syariah yang terdaftar di Otoritas Jasa Keuangan pada periode 2016 sampai dengan 2019. Penelitian ini menggunakan data dari 13 bank umum syariah dengan masa penelitian 4 tahun dan sampel yang digunakan dalam penelitian ini berjumlah 53. Metode analisis yang digunakan dalam penelitian ini adalah data panel regresi berganda yang diolah dengan Eviews 10 dan Microsoft Excel. Hasil penelitian menunjukkan bahwa CAR dan FDR tidak berpengaruh terhadap praktik manajemen laba sedangkan ROA, NPF, dan BOPO terhadap manajemen laba pada bank umum syariah di Indonesia.Kata Kunci: CAR, ROA, NPF, FDR, BOPO, Manajemen Laba.

PENGARUH PENEMPATAN DANA PADA FASBIS DAN PENEMPATAN DANA PADA BANK LAIN TERHADAP PENINGKATAN LABA PT. BANK SUMUT CABANG SYARIAH PADANGSIDIMPUAN Erwin Saputra Siregar
EKSYA : Jurnal Ekonomi Syariah Vol. 1 No. 1 (2020): JURNAL EKSYA: JURNAL EKONOMI SYARIAH
Publisher : Program Studi Ekonomi Syariah Sekolah Tinggi Agama Islam Negeri Mandailing Natal

Show Abstract | Download Original | Original Source | Check in Google Scholar | Full PDF (361.435 KB)

Tujuan penelitian ini adalah untuk mengetahui seberapa besar pengaruh penempatan dana pada fasbis dan penempatan dana pada bank lain terhadap peningkatan laba PT. Bank Sumut Cabang Syari’ah Padangsidimpuan. Berdasarkan jenis masalah yang diteliti teknik dan metode yang digunakan maka pendekatan yang digunakan pada penelitian ini adalah kuantitatif. Variabel independen dalam penelitian ini adalah fasbis (X1) dan penempatan pada bank lain (X2), dan variabel dependen adalah laba (Y). Model analisi yang digunakan dalam penelitian ini adalah metode analisis regresi linier berganda dengan menggunakan SPSS 19.0. Koefisien determinasi yang diperoleh dari hasil analisis sebesar 0,258, artinya bahwa penempatan dana pada fasbis dan penempatan dana pada bank lain berpengaruh terhadap peningkatan laba sebesar 25,8% dan sisanya 74,2% dipengaruhi oleh variabel lain yang tidak termasuk dalam penelitian ini.

ANALISIS POTENSI DAN PREFERENSI MASYARAKAT KELURAHAN SENGETI KABUPATEN MUARO JAMBI TERHADAP KEHADIRAN BANK SYARIAH Erwin Saputra Siregar; Menik Anjarwasih; Arsa Arsa
Jurnal Ekonomi Rabbani Vol 1 No 2 (2021): November 2021
Publisher : Sekolah Tinggi Ekonomi Islam (STEI) Ar-Risalah Ciamis

This research aims to analyze the potential and preferences of the people of Sengeti Village towards Islamic banks. Potential is projected by demographics and the economy, while preferences are projected by people's perceptions, motivations, knowledge, and attitudes. The subject of this study is the community in Sengeti Village, while the object is the potential and preferences of the community. The population was all adults, and the authors took samples from populations aged 22 to 65 and obtained informants as many as 100 people. This study showed that potential and demographic variables corresponded to people's interest in using Islamic banks. In contrast, the preference variables demonstrated from the data showed that the community positively supported the existence of Islamic banks in Sengeti Village.

Intellectual Capital Analysis in Improving Profitability of Islamic Banking in Indonesia Erwin Saputra Siregar; Mellya Embun Baining; Oktavia Sri Wardani
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 10, No 1 (2022)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v10i1.5732

This research aims to test intellectual capital improvingthe profitability of Islamic banking in Indonesia from 2015 to 2019. The dependent variable in the study was the profitability of Islamic banking, consisting of Return on Asset (ROA). In contrast, the independent variable in the study was Intellectual Capital (VAIC), consisting ofValueAdded Capital Employed (VACA), Value Added Human Capital (VAHU), and Structural Capital Value Added (STVA). This research emphasizes the importance of intellectual capital disclosure in financial statements to improve financial performance. The data used is Islamic bank data registered with the Financial Services Authorityfrom 2015to 2019. Intellectual Capital's measurement model uses Pulic Models, namely VAIC, VACA, STVA, and VAHU. Data is analyzed descriptively quantitatively with multiple linear regression analysis tools. The results showed thatVACA and STVA positively affect ROA in Islamic banks in Indonesia, and VAIC and VAHU have a significant adverse effect on ROA in Indonesia.

The Effect of Murabahah, Mudharabah, and Musharakah Financing on Net Profit Growth in Bank Muamalat Indonesia Erwin Saputra Siregar; Irmayuliana Irmayuliana
Jurnal BAABU AL-ILMI: Ekonomi dan Perbankan Syariah Vol 7, No 1 (2022)
Publisher : Universitas Islam Negeri Fatmawati Sukarno Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/ba.v7i1.6487

This study aims to examine the effect of Murabahah, Mudharaba, and Musharaka Financing on Net Profit Growth at Bank Muamalat Indonesia Period 2016-2019. The independent variables used are Murabahah, Mudharaba, and Musharaka financing. The dependent variable used is Net Profit at Bank Muamalat Indonesia. The population and sample in this study are the Monthly Financial Statements of Bank Muamalat Indonesia, January 2016 - December 2019, 12 months x 4 years = 48, so the sample of this research is 48. Samples were selected using the saturated sampling method. The analytical method used in this study is multiple linear regression with time-series data processed using SPSS IBM 20 and Microsoft Excel 2010. The results of this study indicate that the independent variables Murabahah, Mudharaba, and Musharaka financing simultaneously affect the dependent variable Net Profit. Partially Murabahah Financing does not affect Net Profit. Partially, Mudharaba Financing hurts Net Profit, and Partially Musharaka Financing does not affect Net Profit.

Peran Bank Syariah Pada Masa Pandemi Covid-19 Andi Cahyono; Erwin Saputra Siregar; Asiah Wati
Al-Intaj : Jurnal Ekonomi dan Perbankan Syariah Vol 7, No 2 (2021)
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Bengkulu

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.29300/aij.v7i2.4761

This study aims to determine the effectiveness of social funds in Islamic banks against MSMEs due to the Covid-19 pandemic. The approach used in this research is descriptive qualitative. The techniques used are content analysis and library research. The results of this study indicate that Micro, Small, and Medium Enterprises (MSMEs) receive assistance from zakat, infaq, and sadaqah. Apart from leading business capital assistance for the business sector or Micro, Small and Medium Enterprises (MSMEs) from the government for Micro, Small and Medium Enterprises (MSMEs) that already have a business permit from the village, as well as through the qardhul hasan scheme and loans for businesses that exist in Islamic banks. . So far, the social funds in Islamic banks for Micro, Small and Medium Enterprises (MSMEs) have not been effective because people use more funds to fulfill basic needs.

ANALISIS DAMPAK KEBIJAKAN MERGER DALAM PENGEMBANGAN BANK SYARIAH DI INDONESIA Erwin Saputra Siregar; Sissah Sissah
Jurnal Ekonomi Syariah, Akuntansi dan Perbankan (JESKaPe) Vol 5 No 1 (2021): JESKaPe Vol. 5 No. 1 January-June 2021
Publisher : Faculty of Islamic Economics and Business, IAIN Lhokseumawe

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.52490/jeskape.v5i1.1136

This study aims to analyze the impact of the merger policy on the progress of Islamic banks. The slow progress of Islamic banks in Indonesia makes experts think of a policy so that Islamic banks can develop rapidly. This type of research is library research, which is a series of activities that focus more on the methods of collecting library data, reading, taking notes and analyzing research materials. This type of research uses qualitative methods. The nature of this research is descriptive analysis, which is to systematically explain the data obtained as they are and be analyzed in depth. The results of this study are the sharia bank merger policy has not been able to increase the market share of Islamic banks in Indonesia, even the chance of decreasing the market share of Islamic banks is very high considering that many small Islamic banks will be unable to compete with the merged Islamic banks. It is different if the policy issued is to establish a new Sharia BUMN Bank. This policy will make competition more evenly distributed because it is seen from the asset side between Islamic banks that the difference is not too far away. Keyword : Policy; Merger; Islamic Banks Abstrak Penelitian ini bertujuan untuk menganalisis dampak kebijakan merger dalam kemajuan bank syariah. Lambatnya kemajuan bank syariah di Indonesia membuat para ahli memikirkan suatu kebijakan agar bank syariah dapat berkembang pesat. Jenis penelitian ini adalah library research, yaitu rangkaian kegiatan yang lebih menitikberatkan pada metode pengumpulan data pustaka, membaca, dan mencatat serta menganalisis bahan penelitian. Jenis penelitian ini menggunakan metode kualitatif. Sifat penelitian ini adalah analisis deskriptif yaitu menjelaskan data-data yang diperoleh apa adanya secara sistematis dan dianalisis secara mendalam. Hasil penelitian ini adalah kebijakan merger bank syariah belum bisa menaikkan market share bank syariah di Indonesia, bahkan peluang turunnya market share bank syariah sangat tinggi mengingat banyak bank syariah-bank syariah kecil yang akan kalah bersaing dengan bank syariah hasil merger. Berbeda halnya jika kebijakan yang dikeluarkan adalah mendirikan Bank BUMN Syariah yang baru. Kebijakan tersebut akan membuat persaingan lebih merata karena dilihat dari sisi aset antara bank syariah selisihnya tidak terlalu jauh. Kata Kunci: Kebijakan; Merger; Bank Syariah

Co-Authors A Tarmizi - Abd Malik Abd. Malik Ambok Pangiuk Andi Cahyono Anzu Elvia Zahara Arsa Arsa Arsa Arsa Asiah Wati Fitri Ana Siregar Gusmila Sari Hanny Musyayyadah Hermika Dayyesi Irmayuliana Irmayuliana Mariyani Mariyani Mellya Embun Baining Menik Anjarwasih Muhamad Subhan Nasrullah Alhadiid Oktavia Sri Wardani Putri Nur Kholida Zifa Rafidah Rafidah Rahmi Mardhatillah Ria Anggilia Sari Yana Siregar Siregar Silvia Nurfajriati Siska Anggraini Sissah Sissah Suchi Soumi Shinta Sucipto Sucipto Sucipto Sucipto Titin Agustin Nengsih Welly Puspita Sari

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