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All Journal International Journal of Social Science and Business Jambura Equilibrium Journal Perbanas Journal of Islamic Economics and Business
Novita Setyawati
Perbanas Institute
Religion Economics, Econometrics & Finance Social Sciences

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Analysis of Sharia Banking Efficiency in Industry Revolution 4.0 Era Reny Fitriana Kaban; Novita Setyawati
International Journal of Social Science and Business Vol. 4 No. 4 (2020): November
Publisher : Universitas Pendidikan Ganesha

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.23887/ijssb.v4i4.29537

Abstract

This research aimed to analyze the efficiency of Sharia Banking in Indonesia for the period of 2013-201, the era of industry revolution 4.0. The research method used Data Envelopment Analysis while the data was taken from the annual report of Sharia Banking Statistic issued by Indonesia Financial Services Authority for the intended years. The input variables were the third-party fund, labor cost, and other cost while the output variables were total financings and operating income. Both with CRS and VRS model input approach, Sharia Banking in Indonesia generally already had high-efficiency value either based on years or banks. The banks who had not been in high-efficiency criteria were highly recommended learning from the benchmark banks. The result showed in general the use of technology and the internet by Sharia Banking was already appropriate, which caused their operations running efficiently.
Digital Transformation of Small Medium Enterprises: A Descriptive Analysis of Quick Response Indonesia Standard Data Arianto Muditomo; Novita Setyawati
Jambura Equilibrium Journal Vol 4, No 2 (2022): Vol 4. No. 2. July 2022
Publisher : Gorontalo State University

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.37479/jej.v4i2.13918

Abstract

The purpose of this study is to explain the digital transformation of Indonesian micro and medium enterprises (SMEs) through descriptive data analysis on the implementation of the Indonesian quick response standard (QRIS) through the end of 2021. The implementation of QRIS in Indonesia increases literacy and electronic financial inclusion among Indonesian SMEs, attempting to make it easier for the government to conduct better monitoring of SME transactions. The development of QRIS, which began in 2019, has proven to be capable of improving the documentation of digital financial inclusion of SMEs with 14.78 million merchants, the majority of whom are SME merchants, specifically micro business merchants (UMI), small business merchants (UKE), and medium business merchants (UME). Similarly, SMEs dominate in terms of volume and nominal transactions. This descriptive analysis will provide an overview of the evolution of SME digitization in Indonesia, which market players and regulators can use to develop policies and strategies for the future of SMEs.
Identifikasi Risiko Operasional Berdasarkan Perilaku pada Karyawan Pembiayaan (Studi Kasus: Bank BNI Syariah cabang Yogyakarta) Novita Setyawati
Perbanas Journal of Islamic Economics and Business Vol 3 No 1 (2023): Perbanas Journal of Islamic Economics and Business
Publisher : Perbanas Institute

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56174/pjieb.v3i1.78

Abstract

ABSTRAK Kajian ini ditulis ulang secara parsial berdasarkan penelitian Setyawati, R Partadiredja (2016) yang bertujuan untuk mengidentifikasi risiko operasional berdasarkan perilaku pada karyawan pembiayaan Bank BNI Syariah Cabang Yogyakarta. Kajian ini menggunakan populasi dari karyawan pembiayaan. Data kajian ini dikumpulkan melalui kuisioner berdasarkan alat tes perilaku DISC yang terdiri dari 24 pernyataan yang kemudian dianalisis secara kualitatif. Hasil kajian menunjukkan terdapat 3 kategori perilaku yang dapat diidentifikasikan dengan respon risiko, yaitu Compliance -Accept, Influence-Sharing dan Dominance-Mitigate pada karyawan pembiayaan Bank BNI Syariah Cabang Yogyakarta. Manfaat kajian ini bagi perusahaan adalah dapat digunakan sebagai dasar kebijakan pengembangan sumber daya manusia di bidang pembiayaan syariah terkait penilaian kinerja yang berbasis pada perilaku. Kajian identifikasi risiko yang didasarkan pada perilaku mengacu pada konsep behavioral risk management. Kebaruan dalam kajian ini adalah penggunaan analisis kualitatif sebagai dasar identifikasi risiko operasional di bidang pembiayaan syariah khususnya pada perilaku karyawan yang merupakan salah satu faktor proses internal yang dapat menyebabkan pembiayaan bermasalah. Kerangka konseptual dalam kajian ini diadopsi dari Peraturan Bank Indonesia No. 13/23/PBI/2011 2 November 2011 tentang Penerapan Manajemen Risiko pada Bank Umum Syariah dan Unit Usaha Syariah yang mencakup proses identifikasi, pengukuran, pemantauan, dan pengendalian risiko yang memadai. dan sistem informasi manajemen risiko. Elemen terakhir, pemantauan/monitoring dan pengendalian/kontrol tidak digunakan dalam kajian, karena hanya membatasi pada proses identifikasi dan pengukuran risiko saja. Kata Kunci: Risiko Operasional, Manajemen Risiko Perilaku, Karyawan Pembiayaan Bank Syariah
Co-Authors Arianto Muditomo