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All Journal Global Review of Islamic Economics and Business Jurnal Al-Qardh Jurnal Tekun HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam Ikonomika : Jurnal Ekonomi dan Bisnis Islam Jurnal Ilmiah Ekonomi Islam Jurnal Manajemen & Keuangan Tazkia Islamic Finance and Business Review Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Moneter : Jurnal Akuntansi dan Keuangan Perisai : Islamic Banking and Finance Journal Jurnal SIKAP (Sistem Informasi, Keuangan, Auditing Dan Perpajakan) Jurnal Inovasi Bisnis (Inovbiz) JMM (Jurnal Masyarakat Mandiri) Profita : Komunikasi Ilmiah dan Perpajakan Amalee: Indonesian Journal of Community Research & Engagement EKONOMI, KEUANGAN, INVESTASI DAN SYARIAH (EKUITAS) JOURNAL OF BUSINESS AND ECONOMICS RESEARCH (JBE) Jurnal REKSA: Rekayasa Keuangan, Syariah dan Audit Journal of Islamic Economics and Social Science (JIESS) Share: Jurnal Ekonomi dan Keuangan Islam Jurnal Cakrawala Ilmiah JURNAL ECONOMINA Trending: Jurnal Manajemen dan Ekonomi Sammajiva: Jurnal Penelitian Bisnis dan Manajemen Jurnal Manajemen Pariwisata dan Perhotelan Menawan : Jurnal Riset dan Publikasi Ilmu Ekonomi

Lucky Nugroho

Universitas Mercu Buana

Author-ID : 2441965

Religion Humanities Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Environmental Science Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Public Health Social Sciences Other

Published : 48 Documents Claim Missing Document

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Peluang dan Tantangan Fintech (Financial Technology) Syariah di Indonesia Hida Hiyanti; Lucky Nugroho; Citra Sukmadilaga; Tettet Fitrijanti
Jurnal Ilmiah Ekonomi Islam Vol 5, No 3 (2019): JIEI Vol.05 No.03 2019
Publisher : ITB AAS INDONESIA Surakarta

Saat ini, perkembangan fintech (financial technology) syariah di Indonesia semakin pesat. Tetapi di sisi lain, terdapat beberapa fenomena dan permasalahan pada fintech konvensional yang memberikan dampak negatif di masyarakat. Oleh karenanaya keberadaan fintech syariah seharusnya dapat menjadi solusi atas fenomena ini. Tujuan dari penelitian ini adalah untuk mengetahui tentang peluang dan tantangan fintech syariah (Teknologi Finansial) di Indonesia. Penelitian ini menggunakan analisis deskriptif dengan pendekatan kualitatif. Teknik analisis data yang digunakan adalah dengan model interaktif. Hasil penelitian menunjukkan terdapat peluang dan tantangan fintech syariah di Indonesia yang terdiri dari: regulasi, sumber daya manusia, dan penguasaan teknologi dari masyarakat.

Analisa Ketahanan dan Stabilitas Bank Syariah yang Melakukan Merger Lucky Nugroho; Anita Dwi Utami; Citra Sukmadilaga
Jurnal Manajemen dan Keuangan Vol 10 No 2 (2021): JURNAL MANAJEMEN DAN KEUANGAN
Publisher : Program Studi Manajemen Fakultas Ekonomi Universitas Samudra

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33059/jmk.v10i2.3978

Merger dari ketiga bank syariah yaitu Bank Syariah Mandiri (BSM), Bank BNI Syariah (BNIS), dan Bank BRI Syariah (BRIS), telah terjadi pada tanggal 01 Februari 2021. Bank hasil penggabungan tersebut diharapkan dapat meningkatkan pangsa pasar sehingga pangsa pasar perbankan syariah naik. Namun, tujuan merger ini bukan semata-mata meningkatkan daya saing. Oleh karenanya dengan aksi korporasi merger tersebut diharapkan dapat menciptakan Bank Syariah yang masuk ke dalam 10 Top Global menurut kapitalisasi serta menyediakan produk dan layanan yang sesuai dengan prinsip-prinsip syariah. Tujuan dari penelitian ini adalah untuk menganalisa kualitas bank yang melakukan merger tersebut ditinjau dari aspek ketahanan dan stabilitas. Adapun unsur ketahanan direpresentasikan oleh Modal Inti yang direpresentasikan dengan Capital Adequacy Ratio (CAR) dan Non Performing Financing (NPF). Sedangkan stabilitas direpresentasikan dengan variabel Return on Aset (ROA), Financing to Deposit Ratio (FDR), dan Cost Efficiency Ratio (CER). Metode yang digunakan adalah statistik deskriptif dengan membandingkan aspek ketahanan dan stabilitas dari bank-bank yang melakukan merger tersebut dengan menggunakan bobot sesuai dengan ketentuan regulator. Periode pengamatan pada penelitian ini yaitu dari 2016 s.d 2020. Hasil dari penelitian adalah BSM memiliki ketahanan dan stabilitas yang paling baik. Sedangkan BNIS memiliki ketahanan dan stabilitas peringkat 2 setelah BSM. Selanjunya BRIS menduduki tempat terakhir dari segi aspek ketahanan dan stabilitas dalam bank syariah yang melakukan merger. Oleh karena itu seyogyanya BSM sebagai bank yang memiliki kinerja yang paling baik dan memiliki pengalaman paling lama dapat dijadikan pengelola utama dari bank hasil merger tersebut (Bank Syariah Indonesia). Implikasi dari penelitian ini adalah memberikan informasi kepada masyarakat dan juga bank hasil merger bahwa aksi korporasi tidak berherti setelah merger tetapi konsolidasi internal yang menerapkan azas keadilan sesuai dengan kontribusi dan pengalaman masing-masing bank tersebut patut untuk dipertimbangkan. Originalitas dari penelitian ini adalah melakukan analisa ketahanan dan stabilitas terhadap bank-bank yang melakukan merger.

MASLAHAH AND STRATEGY TO ESTABLISH A SINGLE STATE-OWNED ISLAMIC BANK IN INDONESIA Lucky Nugroho; Tengku Chandra Husnadi
Tazkia Islamic Finance and Business Review Vol. 10 No. 1 (2016)
Publisher : Institute for Research and Community Empowerment (LPPM TAZKIA)

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30993/tifbr.v10i1.97

Objective - The market share of Islamic banking in Indonesia has continually decreased from 4.89% in 2013 to 4.85% in 2014 and 4.83% in 2015. As a result, the idea to establish a single state owned Islamic Bank occurs. This conceptual paper aims to contribute the maslahah framework regarding the future of Islamic banks in Indonesia.Methods - The methodology that used in this paper is a qualitative method which supported by quantitative data that align with the theory of the benefit of the Ummah (maslahah) and the community theory.Results - The breakthrough to increase the market share and deliver Indonesia becoming an Islamic financial hub is the option to convert the BRI as the biggest retail bank to a full fledge Islamic bank, and the next action is to acquire the Islamic banks which are subsidiary of conventional state-owned banks (Bank Syariah Mandiri-BSM, Bank Nasional Indonesia Syariah-BNIS, Bank Rakyat Indonesia Syariah-BRIS, and Bank Tabungan Negara Syariah-BTNS). Conclusions - Establishing a single state-owned Islamic bank is beneficial for the future of Islamic banks in Indonesia

Pengaruh Fundamental Ekonomi dan Kinerja Keuangan Terhadap Kredit Bermasalah Pada Bank Syariah Di Indonesia Soeharjoto Soekapdjo; Debbie Aryani Tribudhi; Lucky Nugroho
Jurnal Ekonika : Jurnal Ekonomi Universitas Kadiri Vol 4, No 2 (2019): September 2019
Publisher : Universitas Kadiri

Purpose of this study is to determine economic fundamentals influence and financial performance on non-performing loans in sharia banks in Indonesia. Used quarterly panel data from 2008-2016, which came from BPS, BI, and OJK. Eleven banks used as a sample, with a purposive sampling approach. Using regression methods, with the dependent variable is NPF, and independent variable for economic fundamentals using exchange rates, inflation, GDP and financial performance with FDR, CAR, OER. Result shown that fundamental economice do not affect the NPF and OER as a financial performance has a positive and significant influence to NPF, CAR has negative and significant influence to NPF, but has no effect to FDR.

Determinasi Kualitas Kredit Kepemilikan Rumah (KPR) berdasarkan Perspektif Sumber Angsuran dan Rasio Fraud Account Officer (Studi Empiris Bank Negara Indonesia-BNI Periode 2008-2017) Lucky Nugroho; Annas Malik
MONETER - JURNAL AKUNTANSI DAN KEUANGAN Vol 7, No 1 (2020): April 2020
Publisher : Universitas Bina Sarana Informatika

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31294/moneter.v7i1.7651

Abstract - Home ownership loans are one of the best products in every banking industry. That is because housing is part of basic needs. In addition the bank in maintaining its reputation, it must be able to show good performance to all stakeholders, one of which is to maintain the quality of home ownership loans. Therefore this study aims to determine the factors that influence the quality of Home Ownership Loans. In this study the independent variables used are Fixed Income, Non-Fixed Income, and Fraud Account Officer (AO). While the dependent variable is the Quality of Home Ownership Loans. Design sample collection in this study is a causal study of PT Bank Negara Indonesia Consumer and Risk Division 2008-2017 period. The research method uses multiple linear regression analysis. The results of this study are that Fixed Income has no significant positive effect on the quality of housing loans, non-fixed income has a negative and no significant effect on home ownership loans. While the Fraud Account Officer has a significant positive effect on the Quality of Home Ownership Loans. Therefore the bank must be able to provide education and training in order to reduce fraud from AO and also improve the welfare of its employees. Keywords: Home Ownership Credit (KPR), Credit Quality, AO Fraud

The Determinant of Islamic Performance Ratio: Do Financing Deposit Ratio, Financing Quality, and Return on Asset Ratio Matters? Lucky Nugroho; Erik Nugraha; Ahmad Badawi
Global Review of Islamic Economics and Business Vol 8, No 2 (2020)
Publisher : Faculty of Islamic Economics and Business, State Islamic University Sunan Kalijaga

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.14421/grieb.2020.082-04

Islamic banks have the aim of providing benefit to all humankind. Therefore, to measure the performance of Islamic banks, different indicators are needed from conventional banks. One of the indicators that can be used to measure Islamic banks' performance is the Islamic performance ratio (IPR). This study aims to determine the factors that influence IPR. By employing moderated regression analysis with the panel data of 7 Islamic commercial banks during 2012-2017, this study found that several factors are significantly influencing the performance of Islamic banks as indicated by the IPR indicator. That is the return on asset ratio (ROA) which has a positive direct effect on IPR and non-performing financing (NPF) that becomes a moderating variable for the effect of financing to deposit ratio (FDR) on IPR that weakens FDR’s effect. Although the NPF does not have a direct influence on the performance of Islamic banks, Islamic banks still have to be careful with NPF, because it can reduce the effect of FDR on the performance of Islamic banks.

Peluang Pengusaha Mikro dan Kecil (UMK) Menggunakan Layanan Digital Lembaga Keuangan Mikro Syariah Chairia Lubis; Lucky Nugroho; Tettet Fitrijanti; Citra Sukmadilaga
AL-QARDH Vol 5, No 1 (2020): AL-QARDH
Publisher : Fakultas Ekonomi dan Bisnis Islam Institut Agama Islam Negeri Palangka Raya

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23971/jaq.v5i1.1769

The purpose of this study was to find out the opportunities of digital services owned by Sharia Micro Finance Institutions (Baitul Mal Wa Tamwil-BMT) to reach Micro and Small (MSME) customers. Therefore the research question in this article is how the opportunities for the use of digital services by MSEs. This research method uses library research and interviews with BMT managers so that this research is qualitative. Following the results of the study, BMTs must collaborate with financial technology (fintech) companies to provide customer application. Furthermore, the contribution of the applications that can provide added value for customers and are easy to use, which have an impact on the increasing competitiveness of BMTs with competitors in the financial industry.Tujuan penelitian ini adalah untuk mengetahui peluang dari layanan digital yang dimiliki oleh Lembaga Keuangan Mikro Syariah (Baitul Mal Wa Tamwil-BMT) untuk menjangkau nasabah Mikro dan Kecil (UMKO. Oleh karenanya pertanyaan penelitian pada artikel ini adalah bagaimana peluang penggunaan layanan digital oleh pelaku UMK. Metode penelitian ini menggunakan kajian pustaka atau library research dan wawancara dengan pengelola BMT sehingga penelitian ini merupakan penelitian kualitatif. Sesuai dengan hasil penelitian, maka BMT harus berkolaborasi dengan perusahaan fintech, dan pemain di pasar lainnya sehingga mereka memiliki aplikasi yang dapat memberikan nilai tambah bagi nasabah dan mudah digunakan yang berdampak terhadap meningkatnya kemampuan bersaing dari BMT dengan kompetitor di industri keuangan.

ANALISA MEKANISME PENGHITUNGAN, PEMOTONGAN, PENYETORAN DAN PELAPORAN PAJAK PENGHASILAN PASAL 21 PADA PT. BINA SWADAYA KONSULTAN TAHUN 2016 Evi Margoretty Silalahi; Lucky Nugroho; Lawe Anasta
TEKUN: Jurnal Telaah Akuntansi dan Bisnis Vol 9, No 1 (2018)
Publisher : Universitas Mercu Buana

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.22441/tekun.v8i1.2600

ABSTRACT Income Tax Article (PPH) 21 tax on income in the form of salary, wages, honoraria, allowances, and other payments received or obtained by an individual domestic Taxpayer in respect of employment or occupation, services and activities. Therefore, government agencies and companies paying employees or employees are required to implement the calculation of Article 21 income tax on income received by their employees every month. This research was conducted at PT. Bina Swadaya Consultant. Furthermore, the purpose of this study was conducted to analyze the calculation and withholding of Article 21 Income Tax on employees of PT. Bina Swadaya Consultant, whether it has been in accordance with the Tax Law No.36 of 2008 on Income Tax. This research uses descriptive research method, and data collection technique used is documentation technique. The results of this study indicate that the calculation, deduction, deposit and reporting of PPh 21 applied by PT. Bina Swadaya Consultant is not in accordance with Law No.36 of 2008 on Income Tax article 4 paragraph 1, namely the calculation of Income Tax Article 21 Permanent Employees due to the company does not include attendance allowance in the calculation. Based on that, it is expected that the government through related parties can perform socialization and technical assistance in implementation of Article 21 PPH in enterprises in order to optimize state revenues. Key Words: Calculation of Income Tax (PPH) Article 21, Withholding of Income Tax Article 21 and Provision of Income Tax Article 21

URGENSITAS, KEADILAN DAN MAQASID SYARIAH PADA MERGER BANK SYARIAH Abd. Akram H; Citra Sukmadilaga; Lucky Nugroho
HUMAN FALAH: Jurnal Studi Ekonomi dan Bisnis Islam HUMAN FALAH: Jurnal Ekonomi dan Bisnis Islam │ Vol. 8 │ No. 2 │ 2021
Publisher : Fakultas Ekonomi dan Bisnis Islam Universitas Islam Negeri Sumatera Utara

Show Abstract | Download Original | Original Source | Check in Google Scholar

This study aims to analyze the merger process of Islamic banks in Indonesia from the aspect of urgency, conformity with sharia principles, and maqasid sharia. The method used is descriptive quantitative by using secondary data as a basis for research analysis. Furthermore, the discussion of this research is limited by the formulation of the problem, which includes (i) What is the urgency of the merger of Islamic banks in Indonesia?; (ii) How is the suitability of the merger of Islamic banks in Indonesia with sharia principles?; (iii) What are the benefits of a sharia bank merger in Indonesia from the perspective of maqasid sharia?. Based on the study results, the current Islamic bank merger process is still at an early stage and needs strategic steps further, especially how to increase the market share of Islamic banks and the implementation of justice aspects in the merger process. Therefore, the merger process must also benefit the internal employees of Islamic banks whose banks have been merged and for the Islamic banking industry so that there is no monopoly on Islamic financial services.

Antecedents and Consequences of Muslim Millennials Attitude Towards Halal Personal Care Products Febrina Mahliza; Lucky Nugroho; Anees Jane Ali Ali
IKONOMIKA Vol 5, No 2 (2020)
Publisher : Universitas Islam Negeri Raden Intan Lampung

In Indonesia, the millennial generation is the generation that dominates the population. This is a promising target market for companies or producers of personal care products. This research focuses on the attitudes of the millennial generation towards halal personal care products. The method used is quantitative research with primary data taken from 143 millennial generation female consumer respondents in Jakarta and Tangerang with data collection techniques using purposive sampling. The data analysis used is Partial Least Square (PLS) analysis. Based on the results, the attitude of the millennial generation towards halal personal care products is significantly influenced by religiosity and halal knowledge. At the same time, media exposure has no significant influence on the attitude of the millennial generation towards halal personal care products.

Co-Authors Abd. Akram H Affan Hanif Imaduddin Ahmad Badawi Ahmad Jainuri Ahmad Zainuddin Akhmad Amien Mastur Aldo Gilang Priyambodo Alfa Mightyn Anees Jane Ali Anees Jane Ali Ali Anees Janee Ali Anees Janee Ali Anita Dwi Utami Annas Malik Annisa Hakim Zamzami Arief Bowo Prayoga Arief Bowo Prayoga Kasmo Azelia Sarah Yusufa Chairia Lubis Choirun Nisa Vidyaningrum Citra Sukmadilaga Debbie Aryani Tribudhi Della Yesica Rani Dewi Eva Kiranti DIAH ISKANDAR Dian Sugiarti Dian Sugiarti Divina Mahardika Dewi Doktoralina, Caturida Meiwanto Eko Widianarko Kusnadi Eneng Fitri Zakiyah Erik Nugraha Erik Nugraha Erik Nugraha Erik Nugraha Evi Aryani Evi Margoretty Silalahi Fadhil Muntashir Jihad Febrina Mahliza Febrina Mahliza Harnovinsah Harnovinsah Herda Nezzim Bararah Hida Hiyanti Lailatul Barokah Lawe Anasta Maria Maria Mariyam Chairunisa Medianto Suryo Meryem Afoukane Muchlis Muchlis Muhammad Harun Sukarno Natasha Putri Bahari Nurul Anisa Nurul Hidayah Nurul Hidayah Prinoti Prinoti Purwati Purwati Rhenaldy Rhenaldy Saluy, A Badawi Sarah Salsabilah Soeharjoto Soekapdjo Sukarmi Sukarmi Tatik Mariyanti, Tatik Tengku Chandra Husnadi Tettet Fitijanti Tettet Fitrijanti Tettet Fitrijanti Wiwik Utami Wiwin Sukiati Yananto Mihadi Putra Yolanda Safitri Yosafat Fantony Yosi Mardoni Zulfahmi Zulfahmi

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