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All Journal Jurnal Minds:Manajemen Ide dan Inspirasi Jurnal Iqtisaduna Iqtishadia: Jurnal Ekonomi dan Perbankan Syariah
Salmah Said
Universitas Islam Negeri Alauddin Makassar
Religion Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Social Sciences

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Managing with Sharia: Strengthening Sharia Banking Spiritual Literation Salmah Said; Andi Muhammad Ali Amiruddin; Ahmad Asad; Cecep Rustan; A. Syathir Sofyan
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 6 No 2 (2019): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v6i2.10297

Abstract

The sharia banking main characteristics provide alternative systems by which banks and customers share profits with specific emphasis on fair treatment, ethical investments, and kinship relationship in the production process and avoidance of speculation. Measuring sharia banking performance by applying CAMELS is considered weak in describing non-financial aspects, which shows sharia ethics and the spirituality of sharia banking. Therefore, the ANGELS method can be considered as an alternative one in assessing sharia banking performance. This research applies Bayani, Burhan, and infant epistemological approaches. The result shows that the implementation of sharia principles in sharia banking practice in Makassar still need sharia literacy awareness among sharia banking practitioners since sharia banking is a potential market in the future.
ISLAMIC VALUE OF INNOVATIVE PERFORMANCE IN SMALL AND MEDIUM-SIZED ENTERPRISES: CONCEPTUAL REVIEW OF FATHANAH Nur Rahmah; M. Wahyuddin Abdullah; Salmah Said
Jurnal Iqtisaduna Prosiding International Conference on Islamic Economics and Business 2019
Publisher : Universitas Islam Negeri Alauddin Makassar

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/iqtisaduna.v1i1.11821

Abstract

Small and medium-sized enterprises (SMEs) contribute to the national economy. It follows to increase in market potential. Innovation has an important role in various business competitions. However, innovative performance has not been completely implemented by SME companies. This research offers the concept of fathanah in innovative performance in SMEs. The research method is a review of the literature on SME innovative performance. This study explains the innovative performance of SMEs with six concepts; process innovation, product innovation, management innovation, organizational innovation, marketing innovation, and technological innovation. The concept of fathanah in innovative performance in SMEs with dimensions of intelligence; intellectual quotient (IQ), emotional quotient (EQ), and spiritual quotient (SQ). This paper applies a conceptual approach. The limitations of this paper are that the dimensions mentioned have not been empirically tested. In addition, there may also be other dimensions of Islamic values related to innovative performance apart from the concept of fathanah. However, the fathanah concept is expected to be applied in innovative performance to develop SMEs.
PENGARUH RISIKO KREDIT DAN TINGKAT KECUKUPAN MODAL TERHADAP PROFITABILITAS PADA PERBANKAN DI BURSA EFEK INDONESIA Salmah Said
Jurnal Minds: Manajemen Ide dan Inspirasi Vol 3 No 2 (2016): December
Publisher : Management Department, Universitas Islam Negeri Alauddin Makassar, Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24252/minds.v3i2.2939

Abstract

Sebagai salah satu lembaga intermediaries, perbankan berperan penting sebagai agent of trust, agent of services, dan agent of development dalam mendukung perkembangan perekonomian suatu negara. Untuk itu, setiap negara berupaya agar perbankan selalu berada dalam kondisi yang sehat, aman dan stabil, terutama dari sisi likuiditas dan profitabilitasnya. Penelitian ini dilakukan untuk menguji pengaruh Non Performing Loan (NPL) dan Capital Adequacy Ratio (CAR) terhadap Return on Asset (ROA) perbankan BUMN. Teknik analisis data yang digunakan adalah analisis rasio keuangan, regresi linier berganda. Hasil penelitian ini menunjukkan bahwa variabel NPL memiliki pengaruh negatif dan signifikan terhadap ROA, varabel CAR tidak memberikan pengaruh terhadap ROA dan kedua variabel NPL dan CAR berpengaruh secara simultan (bersama-sama) terhadap ROA. NPL mencerminkan risiko kredit, implikasinya bahwa semakin tinggi rasio ini maka akan semakin semakin buruk kualitas kredit bank. Jumlah kredit bermasalah semakin besar maka kemungkinan suatu bank dalam kondisi bermasalah semakin besar. Selain itu, CAR bank menunjukkan peningkatan yang cenderung konstan, sehingga tidak memberikan konstribusi yang tinggi terhadap peningkatan laba.
Analisi Faktor-Faktor yang Mempengaruhi Keputusan Etnis Tionghoa Menggunakan Jasa Bank Syariah Jasri Jasri; Salmah Said; Amiruddin K
IQTISHADIA Jurnal Ekonomi & Perbankan Syariah Vol. 7 No. 1 (2020)
Publisher : Institut Agama Islam Negeri Madura

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.19105/iqtishadia.v7i1.2915

Abstract

Chinese ethnic is one of the ethnic groups in Indonesia. The majority of Chinese ethnics are non-Muslim. In the midst of differences in perceptions who looked cynically following Islamic banking, most of the Chinese ethnics who are not Muslim prefer sharia banking to transact. So, this research studies the factors that influence the decision of ethnic of Chinese non-Muslim to use the services of Islamic banks. This type of research used in this research is quantitative field research thas emphasizes the aspect of objective assessment pf social phenomena where the independent variables are Environtment (X1), Psychology (X2), and Promotion (X3) and the dependent variation is the decision of ethnic of Chinese (Y). This study uses SPSS software as a tool in prosessing statistical data. The results show simultaneously three factors which were considered as significant to the decision of the ethnic of Chinese to use the services of Islamic banks. If it is related to environmental factors (X1) and Promotion (X3) influences and significantly influences ethnic of Chinese decisions, while psychology (X2) does not relate to outcome of the ethnic of Chinese agreement using the services of Islamic banks.Keywords: environment; psychology; promotion; customer decisions; ethnic Chinese
Co-Authors Ahmad Asad Amiruddin K Andi Muhammad Ali Amiruddin Cecep Rustan Jasri Jasri M. Wahyuddin Abdullah Nur Rahmah Sofyan, Syathir