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All Journal KINERJA : Jurnal Ekonomi dan Bisnis
Anis Lutfiati
Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah
Decision Sciences, Operations Research & Management Economics, Econometrics & Finance

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ANALISIS PERBANDINGAN PRINSIP PENGHITUNGAN BUNGA TABUNGAN PADA BANK KONVENSIONAL DENGAN BAGI HASIL TABUNGAN MUDHARABAH PADA BANK SYARI’AH Anis Lutfiati
Kinerja Vol 2 No 01 (2019): Kinerja : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v2i02.796

Abstract

Bank syariah adalah bank yang beroperasi sesuai dengan prinsip-prinsip Islam, yaitu bank dengan tata cara dan operasinya mengikuti ketentuan-ketentuan syariah. Bank syariah didirikan dengan tujuan untuk mempromosikan dan mengembangkan penerapan prinsip-prinsip Islam, syariah dan tradisinya kedalam keuangan dan perbankan serta bisnis lain yang terkait. Salah satu prinsip utama di bank syariah adalah adanya pelarangan riba. Riba dalam perbankan identik dengan bunga bank. Bunga bank dilarang dalam Islam karena mengandung pengambilan tambahan yang batil dan sangat bertentangan dengan prinsip muamalah dalam Islam. Bank konvensional dan bank syariah itu memiliki kesamaan dalam hal penerimaan uang, mekanisme transfer, teknologi komputer yang digunakan, syarat-syarat umum memperoleh pembiayaan seperti KTP, NPWP, proposal, laporan keuangan dan lain sebagainya. Tetapi banyak sekali perbedaan yaitu menyangkut aspek legal, struktur organisasi, usaha yang dibiayai dan lingkungan kerja. Selain itu juga terdapat perbedaan mengenai prinsip bunga pada bank konvensional dengan bagi hasil pada bank syariah. Pendistribusian bagi hasil tabungan mudharabah dilakukan oleh PT. BPRS Kota Bekasi pada tiap akhir bulan tanpa ada potongan pajak atau zakat. Distribusi bagi hasil tabungan mudharabah dibagikan kepada nasabah dengan menambahkan pada saldo tabungan milik nasabah. Dalam penentuan perolehan bagi hasil tabungan mudharabah, PT. BPRS Kota Bekasi tidak membatasi jumlah hari dalam menginvestasikan dana dari nasabah. Namun PT. BPRS Kota Bekasi hanya member standar minimal saldo tabungan sebesar Rp 25.000, nasabah akan langsung mendapatkan bagi hasil pada akhir bulan pendistribusian pendapatan. Namun, perolehan besarnya bagi hasil disesuaikan dengan jangka waktu transaksi (saldo akhir tabungan). Dengan penerapan distribusi hasil seperti di atas, maka dalam hal ini nasabah lebih diuntungkan, keuntungan yang dirasakan oleh nasabah adalah tidak adanya batasan jumlah hari dalam penentuan dapat/tidaknya bagi hasil. Sedangkan bagi PT. BPRS Kota Bekasi, meskipun uang yang ditabung nasabah pada akhir bulan masih belum tersalurkan ke produk pembiayaan, namun nasabah tetap mendapatkan bagi hasil. Oleh karena itu secara otomatis karyawan PT. BPRS Kota Bekasi harus bekerja lebih ekstra untuk menyalurkan dana pihak ketiga dalam memperoleh keuntungan.
ANALISIS FAKTOR-FAKTOR YANG MEMPENGARUHI LITERASI KEUANGAN Elly Soraya; Anis Lutfiati
Kinerja Vol 2 No 02 (2020): Kinerja : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v3i01.966

Abstract

This study is entitled Analysis Of Factors Affecting Financial Literation, Case Study Of As-Syafi’iyah Islamic University, Faculty Of Economics And Business Students, 2020. This study aims to determine the Factors Affecting Student Financial Literacy, these factors include gender, GPA, income of parents and work experience. The population in this study is the active students of the Faculty of Economics and Business of the As-Syafi’iyah Islamic University semester 4 to semester 8, probability sampling techniques, the number of samples used slovin formula. This study uses 232 questionnaires through Google form. The instrument test uses the validity and reliability test. The analytical method used is descriptive statistics, the classic assumption test, the multiple regression test, the multiple correlation coefficient of determination test and the T Test. The test results show that 1). Gender has a positive and significant effect on financial literacy 2). GPA has a positive and significant effect on financial literacy 3). Parents’ income has a positive and significant effect on financial literacy 4). Work Experience has a positive and significant effect on financial literacy. The suggestions from researchers Students can attend various financial literacy seminars, and can utilize social media to follow (follow) various social media accounts of financial institutions or financial consultants and for further researchers can also complement financial literacy variables by looking at their effects on financial attitudes and financial behavior.
PENGARUH DEVIDEN PAYOUT RATIO, LEVERAGE, DAN SUKU BUNGA TERHADAP BETA SAHAM Elly Soraya; Anis Lutfiati
Kinerja Vol 3 No 01 (2020): Kinerja : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v3i1.1283

Abstract

This study aims to determine the effect of Dividend Payout Ratio (DPR), Leverage, and Interest Rates on Stock Beta in stocks listed on the Jakarta Islamic Index for the 2013-2019 period. The object of this research is the stocks that are consecutively included in the top 30 during the 2013-2019 period and always publish annual financial reports, namely 10 companies that are sampled. The results of this study indicate that simultaneously the dividend payout ratio (DPR), Leverage, and Interest Rate variables have a significant effect on Stock Beta. Partially Payout Ratio (DPR), Leverage, and Interest Rate have a significant effect on Stock Beta. The coefficient of determination (R Square), Dividend Payout Ratio (DPR), Leverage, and Interest Rate on Stock Beta is 41%. This shows that the Dividend Payout Ratio (DPR), Leverage, and Interest Rate can explain 41% of Stock Beta, while the remaining 59% is influenced by other factors.
PENGARUH EMISI OBLIGASI TERHADAP PENDAPATAN SEWA MODAL DENGAN PENDEKATAN MODEL DINAMIS AUTOREGRESSIVE PADA PT. PEGADAIAN (PERSER0) Elly Soraya Nurulhuda; Anis Lutfiati; Oktarian Trisna Purnama
Kinerja Vol 3 No 02 (2021): Kinerja : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v3i02.1492

Abstract

This study aims to determine the effect of Bond Issuance Value on Capital Lease Income at PT. Pegadaian (Persero). The sample used in this research is the financial statements of PT. Pegadaian that issued bonds in 2007, 2009, 2011, 2012, 2013, 2014, 2015, 2017 and 2018. The independent variable of this study is the value of the bond issuance. The dependent variable is capital rental income. The analysis used is an autoregressive dynamic model with the Koyck approach. The results show that the value of bond issuance and capital lease income from the previous year has a significant effect on capital rental income.
ANALISIS HARGA SAHAM PERUSAHAAN OTOMOTIF DAN KOMPONEN DI BURSA EFEK INDONESIA Elly Soraya Nurulhuda; Anis Lutfiati; Topan Setiawan
Kinerja Vol 4 No 01 (2021): Kinerja : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v4i1.1793

Abstract

The purpose of this study is to analyze the factors affecting stock prices, empirical study of manufacturing companies in the automotive and component sectors on the Indonesia Stock Exchange for the period 2011-2019. This research. using purposive sampling with a sample of 9 automotive and component companies. The data used in this study, in the form of secondary data. Using panel data regression with Eviews 9. The results of the research variable Earnings Per Share (EPS), Price Earning Ratio (PER), and Dividend Per Share (DPS) have a significant effect on stock prices. Earning Per Share (EPS) has no significant positive effect. Price Earning Ratio (PER) has a significant positive effect, and Dividend Per Share (DPS) has a positive and insignificant effect. The coefficient of determination (R Square) of EPS, PER, and DPS on the stock price is 84%. Proving that EPS, PER and DPS explain 84% of Beta Shares, while the remaining 16% is due to other factors outside the variables studied
DAMPAK PANDEMI COVID-19 TERHADAP PERBEDAAN PERTUMBUHAN PRODUKSI INDUSTRI MIKRO DAN KECIL DI WILAYAH KORIDOR EKONOMI INDONESIA Maryam Dunggio; Anis Lutfiati
Kinerja Vol 4 No 02 (2022): Kinerja : Jurnal Ekonomi dan Bisnis
Publisher : Fakultas Ekonomi dan Bisnis Universitas Islam As-Syafi'iyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.34005/kinerja.v4i2.2045

Abstract

This study aims to prove the differences in the growth of Micro and Small Industry (IMK) production caused by the Covid-19 pandemic and differences in the Indonesian Economic Corridor (KEI) region. The study was conducted on IMK spread across 34 provinces in Indonesia based on data from BPS. The data analysis method used is comparative analysis using two way anova. The results of the study proved that: (1) there was a significant difference between the growth of IMK production before the pandemic and during the COVID-19 pandemic; (2) there is a significant difference between the growth of IMK production in each KEI; (3) interaksi KEI with the covid-19 pandemic has a significant impact on the difference in the growth of IMK production and (4) there is a difference in the average growth of IMK production in each KEI before the pandemic and during the covid-19 pandemic.
Co-Authors Elly Soraya Maryam Dunggio Oktarian Trisna Purnama Topan Setiawan