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Pengaruh Sharia Compliance Dan Islamic Corporate Governance Terhadap Kinerja Keuangan Bank Umum Syariah Lestari, M.E.I, Sry
Al-Sharf: Jurnal Ekonomi Islam Vol 1, No 2 (2020)
Publisher : Al-Sharf: Jurnal Ekonomi Islam

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30596/al-sharf.v1i2.66

Penelitian ini dilatar belakangi oleh perkembangan perbankan syariah yang terus mengalami peningkatan namun masih mengalami fluktuasi atau bahkan penurunan kinerja keuangan dalam beberapa tahun terakhir dimana salah satu faktor yang mempengaruhi kinerja keuangan bank umum syariah di Indonesia adalah sharia compliance atau kepatuhan syariah. Sharia compliance menjadi indikator pembeda antara bank syariah dengan bank konvensional. Faktor lain yang mempengaruhi kinerja bank umum syariah adalah Islamic corporate governance, karena ketika bank syariah telah menerapkan tata kelola perusahaan yang sesuai dengan prinsip Islam maka masyarakat akan cenderung memilih bank syariah untuk mempercayakan dananya. Penelitian ini bertujuan untuk mengetahui pengaruh sharia compliance dan Islamic corporate governance terhadap kinerja keuangan Bank Umum Syariah di Indonesia secara parsial dan simultan.Pembahasan penelitian ini berkaitan dengan kineja keuangan bank syariah dan sharia compliance dimana Profit Sharing Ratio, Zakat Performance Ratio, dan Equitable Distribution Ratio digunakan sebagai indikator pengukurannya dan variabel Islamic corporate governance dengan melihat bobot self assestment masing-masing bank.Hasil penelitian secara parsial profit sharing ratio memiliki nilai thitung< ttabel, (1,623233< 1,68195), maka dapat disimpulkan bahwa profit sharing ratio secara parsial tidak berpengaruh terhadap kinerja keuangan bank umum syariah.Zakat performance ratiomemiliki nilai thitung<ttabel, (1,487789<1,68195) maka dapat disimpulkan bahwa Zakat performance ratio secara parsial tidak berpengaruh terhadapÂ kinerja keuangan bank umum syariah. Equitable Distribution Ratio memiliki nilai thitung > ttabel, (6,856728 > 1,68195) maka dapat disimpulkan bahwa Equitable Distribution Ratio secara parsial berpengaruh terhadap terhadapÂ kinerja keuangan bank umum syariah.Islamic corporate governance memiliki nilai thitung > ttabel, (2,027069> 1,68195) maka dapat disimpulkan bahwa Islamic corporate governance secara parsial berpengaruh terhadapterhadap kinerja keuangan bank umum syariah. Secara simultan, PSR, ZPR,EDR, dan ICGmemiliki nilai Fhitung > FtabelÂ (21,63854 > 2,58) Â maka dapat disimpulkan bahwa, PSR, ZPR, EDR, dan ICG secara simultan mempengaruhi kinerja keuangan bank umum syariah dengan Nilai R2 sebesar 0,662975 atau 66,29 persen yang artinya 33,71 persen dipengaruhi oleh variabel lain yang tidak dibahas pada penelitian ini.Kata kunci: Sharia Compliance, Islamic Corporate Governance, ROA, KinerjaÂ KeuanganÂ

PERSEPSI KONSUMEN DALAM KEPUTUSAN PEMBELIAN TERHADAP PRODUK – PRODUK OLAHAN SALAK (Studi Kasus UD.SALACCA) Sry Lestari
At-tijaroh: Jurnal Ilmu Manajemen dan Bisnis Islam Vol 4, No 1 (2018): Juni 2018, 10 Articles, Pages 1 - 138
Publisher : Institut Agama Islam Negeri Padangsidimpuan

Abstrak,Produsen pengolahan salak dalam hal ini UD. Salacca perlu meneliti persepsi konsumen dalam hal kepuasan pembelian produk olahan salak dan hal- hal yang memengaruhinya untuk mengatasi persaingan perusahaan. Hal- hal yang memengaruhi keputusan pembelian konsumen yang diteliti adalah kualitas produk, harga, dan faktor sosial. Tujuan penelitian adalah untuk mengetahui persepsi konsumen UD. Salacca terhadap faktor- faktor yang memengaruhi keputusan pembelian produk olahan salak, untuk mengetahui tahapan konsumen beralih memilih produk olahan salak dibandingkan dengan salak segar dan untuk mengetahui cara konsumen mendapatkan informasi produk olahan salak. Pendekatan penelitian adalah kualitatif deskriptif dengan mewawancarai konsumen langsung. Persepsi konsumen UD. Salacca terhadap produk olahan salak ternyata positif. Artinya, konsumen tetap membeli salak segar meskipun membeli produk olahan salak karena faktor yang memengaruhi konsumen memilih produk olahan salak bukan karena harga dan kualitasnya melainkan karena kondisi konsumen tersebut.Kata Kunci: Kualitas Produk, Harga, Faktor Sosial, Keputusan Pembelian Abstract,Zalacca processing producers in this case UD. Salacca need to examine consumer perceptions in terms of the purchase decision of salak processed products, the things that influence them to win the competition. The things that influence consumer purchasing decisions examined in this study are product quality, price, and social factors. The purpose of this study was to determine the perception of UD. Salacca consumers on the factors that influence the decision to purchase processed zalacca products, to find out the stages of consumers switching to choose processed products compared to fresh salak, to find out how consumers get information on processed zalacca products. UD. Salacca's consumer perception of salak processed products is positive. Consumers continue to buy fresh salak even though they buy processed zalacca products they also buy fresh zalacca. The thing that influence consumers to decide buying both not only because of price and quality but also the condition of the consumer. Keywords: Product Quality, Price, Social Factor, Consumer Purchasing Decision

PERBANDINGAN PERIZINAN DALAM KELEMBAGAAN PERBANKAN SYARIAH DAN KONVENSIONAL Sry Lestari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 4, No 1 (2016)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Since the appliance of UU no.7 1992 about Banking, the Dual Banking System is apply too. All institutions need to adjust their activites with the new paradigm. Central bank, bank of community credit (BPR) need procedure which set in banking constitution and procedure of licence from the start up, ownership, management until controlling is set by Indonesia Bank as central bank. However, the bank which run syariah pinciple will also controlled by Indonesia Bank accompanied by DSN and DPS.

Pengaruh Sharia Compliance Dan Islamic Corporate Governance Terhadap Kinerja Keuangan Bank Umum Syariah Sry Lestari
Al-Sharf: Jurnal Ekonomi Islam Vol 1, No 2 (2020)
Publisher : Yayasan Rahmat Islamiyah

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.56114/al-sharf.v1i2.66

Penelitian ini dilatar belakangi oleh perkembangan perbankan syariah yang terus mengalami peningkatan namun masih mengalami fluktuasi atau bahkan penurunan kinerja keuangan dalam beberapa tahun terakhir dimana salah satu faktor yang mempengaruhi kinerja keuangan bank umum syariah di Indonesia adalah sharia compliance atau kepatuhan syariah. Sharia compliance menjadi indikator pembeda antara bank syariah dengan bank konvensional. Faktor lain yang mempengaruhi kinerja bank umum syariah adalah Islamic corporate governance, karena ketika bank syariah telah menerapkan tata kelola perusahaan yang sesuai dengan prinsip Islam maka masyarakat akan cenderung memilih bank syariah untuk mempercayakan dananya. Penelitian ini bertujuan untuk mengetahui pengaruh sharia compliance dan Islamic corporate governance terhadap kinerja keuangan Bank Umum Syariah di Indonesia secara parsial dan simultan.Pembahasan penelitian ini berkaitan dengan kineja keuangan bank syariah dan sharia compliance dimana Profit Sharing Ratio, Zakat Performance Ratio, dan Equitable Distribution Ratio digunakan sebagai indikator pengukurannya dan variabel Islamic corporate governance dengan melihat bobot self assestment masing-masing bank.Hasil penelitian secara parsial profit sharing ratio memiliki nilai thitung< ttabel, (1,623233< 1,68195), maka dapat disimpulkan bahwa profit sharing ratio secara parsial tidak berpengaruh terhadap kinerja keuangan bank umum syariah.Zakat performance ratiomemiliki nilai thitung<ttabel, (1,487789<1,68195) maka dapat disimpulkan bahwa Zakat performance ratio secara parsial tidak berpengaruh terhadap kinerja keuangan bank umum syariah. Equitable Distribution Ratio memiliki nilai thitung > ttabel, (6,856728 > 1,68195) maka dapat disimpulkan bahwa Equitable Distribution Ratio secara parsial berpengaruh terhadap terhadap kinerja keuangan bank umum syariah.Islamic corporate governance memiliki nilai thitung > ttabel, (2,027069> 1,68195) maka dapat disimpulkan bahwa Islamic corporate governance secara parsial berpengaruh terhadapterhadap kinerja keuangan bank umum syariah. Secara simultan, PSR, ZPR,EDR, dan ICGmemiliki nilai Fhitung > Ftabel (21,63854 > 2,58) maka dapat disimpulkan bahwa, PSR, ZPR, EDR, dan ICG secara simultan mempengaruhi kinerja keuangan bank umum syariah dengan Nilai R2 sebesar 0,662975 atau 66,29 persen yang artinya 33,71 persen dipengaruhi oleh variabel lain yang tidak dibahas pada penelitian ini.Kata kunci: Sharia Compliance, Islamic Corporate Governance, ROA, Kinerja Keuangan

- PENGARUH FINTECH TERHADAP KINERJA KEUANGAN PERBANKAN SYARIAH: - Sry Lestari , Winda Sari Siregar, Nurul Madaniah Ayla
Islamic Circle Vol. 2 No. 2 (2021): Islamic Circle
Publisher : Prodi Hukum Ekonomi Syariah STAIN Mandailing Natal

This study aims to determine the effect of fintech on the financial performance of Islamic banking listed on the OJK 2021. The data analysis technique used is multiple linear regression with the SPSS application. Based on the results of the analysis, fintech services can improve banking financial performance. Researchers use ROA, BOPO, NPL, to measure financial performance Keywords: Fintech, BOPO, NPF, ROA.

The Effect of Provision Kur on The Development of UMKM in Padangsidimpuan Sry Lestari
AL-MASHARIF: JURNAL ILMU EKONOMI DAN KEISLAMAN Vol 9, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padngsidimpuan

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.24952/masharif.v9i2.5635

The purpose of the People's Business Credit (KUR) is to assist the community in developing Micro, Small and Medium Enterprises. The background of this research is how the implementation of the People's Business Credit, and whether the program is running effectively according to the plan that has been determined by the government in accordance with its objectives. This study aims to determine the effect of People's Business Credit on the improvement of Micro, Small and Medium Enterprises in Padangsidimpuan. This research is a quantitative research, namely research that uses numbers in the presentation of data and analysis that uses statistical tests. The population of this research is 310 micro and small business actors and the sample taken is 76 people using purposive sampling method. Data collection techniques using a questionnaire. Data analysis techniques and multiple regression. The results of this study indicate the effectiveness of people's business credit (KUR) has a significant influence on micro and small medium enterprises with a tcount t table (7.110 1.666), then H0 is rejected H1 is accepted, it means that there is an effect of people's business credit on micro, small and medium enterprises in Padangsidimpuan.

Motives of Non-Muslim Customers Using Services at PT Bank Syariah Mandiri Sibolga Branch Office mirna sari; darwis harahap; sry lestari; ferri alfadri
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research was motivated by in addition to Muslim customers it turns out there are also non-Muslim customers who are customers at Bank Syariah Mandiri Sibolga Branch Office. The purpose of this research is to find out whether there are many non-Muslim customers in BSM Sibolga and to find out what the motives of non-Muslim customers are using the services of Bank Syariah Mandiri Sibolga branch office. This type of research is descriptive qualitative. This research takes place in BSM Sibolga with research subjects of Bank employees: customer service, leadership, security guards and 9 non-Muslim customers related to the motives of non-Muslim customer customers in using services at BSM Sibolga, in this study supported by observation, interviews and documentation data. The results of this study conclude that the motives of non-Muslim customers in using BSM Sibolga services include: Personal motives namely work, cultural motives namely geographical (location) and groups (organizations or invitations from neighbors), and religious motives stimuli namely products. The most commonly found motif is a geographical motif, namely the location of Bank Syariah Mandiri Sibolga, located on the side of the road and easy to reach. Not found in the field of religious motives (religious observance), social motives (wealth, power and mastery of knowledge of personal motives (age and lifestyle). Non-Muslim customers Bank Syariah Mandiri Sibolga Branch Offices are mostly interested in gold pawning products. researchers conducted interviews with only a few non-Muslim customers who used gold pawning products that were found.

The Effect of Non Performing Financing (NPF) and Operating Expenses of Operating Income (BOPO) on Return on Equity (ROE) on PT. Bank Bri Syariah, Tbk. nofriyanti nofriyanti; kamaluddin ritonga; sry lestari; damri batubara
Journal Of Sharia Banking Vol 2, No 2 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of this research is the incompatibility of theory with facts. Based on financial report data obtained from PT. Bank BRI Syria, Tbk. The period 2011-2019 tends to fluctuate. Financial ratios that can affect the rise and fall of the Return On Equity variable in this study are seen from the increase and decrease in the Non-Performing Financing variable and the Operating Income Operating Cost variable. The formulation of the problem in this study is whether there is an effect of Non-Performing Financing and Operational Costs of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. 2011-2019 period. This study aims to determine the effect of Non-Performing Financing and Operational Cost of Operating Income on Return On Equity at PT. Bank BRI Syariah, Tbk. Period 2011-2019 partially and simultaneously. This study discusses the financial statements related to the theory of the Non-Performing Financing variable and the Operating Cost of Operational Income variable on the Return On Equity variable. And related to other fields of Islamic banking science. This type of research is quantitative research, the data source used is secondary data through www. BRI Syariah.co.id. The sample of this research is 36 with data analysis used is multiple linear regression, by performing descriptive statistical tests, normality tests, linearity tests, classical assumption tests, hypothesis tests, R2 determination coefficient tests, and F tests, and the data is processed with the help of Software Eviews. Based on the results of the research partially Non-Performing Financing variables have a significant effect on Return On Equity, this is evidenced by the t-test analysis. And on the variable Operating Costs, Operating Income partially has a significant effect on Return On Equity, this is evidenced by the t-test analysis. Then simultaneously the variables of Non-Performing Financing and Operating Costs of Operating Income have a joint effect on Return On Equity

FEASIBILITY ANALYSIS OF SMALL MEDIUM ENTERPRISES (MSMEs) IN MANDAILING NATAL REGENCY IN ACCESSING FINANCING IN SHARIA BANK suci suci; fatahuddin siregar; sarmiana batubara; sry lestari
Journal Of Sharia Banking Vol 2, No 1 (2021)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

The background of this research is Micro, Small and Medium Enterprises (MSMEs), which are productive businesses owned by individuals or private business entities, also called populist businesses, which currently receive attention and privileges mandated by law, including business credit assistance with low interest, ease of business permit requirements, business development assistance from government agencies, and several other facilities. No exception in Mandailing Natal Regency, which on average has a Micro, Small and Medium Enterprises (MSMEs). Lack of a good management system and capital that causes the failure of Micro, Small and Medium Enterprises (MSMEs) in Mandailing Natal Regency. The analysis is used to determine whether Micro, Small and Medium Enterprises (MSMEs) are eligible in obtaining financing from Bank Syariah Mandiri KCP Panyabungan. This research is a descriptive qualitative research. Data collection techniques in this study were interviews, observation, and documentation. The research subjects in this study consisted of First Informants namely SMEs and Secondary Informants namely Bank Mandiri Sharia Panyabungan KCP. The results of the study can be seen that the micro financing of Bank Syari'ah Mandiri is an alternative financing product from Bank Syari'ah Mandiri which is intended for MSME entrepreneurs (Micro, Small and Medium Enterprises). Analysis of the feasibility of micro financing of the Syari'ah Bank Mandiri Panyabungan Sub-Branch Office to prospective customers is that the submission must meet the requirements: Character, Capacity, Capital, Collateral, Condition (5C) and the conditions that must be met by the SMEs. In accessing financing in Islamic banks is very influential because there must be requirements that must be completed so that the disbursement of financing for Micro, Small and Medium Enterprises (MSMEs) can be resolved as soon as possible and can be accepted by the bank.

Factors Affecting the Interest of Prospective Hajj Pilgrims Choosing Arafah Savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan afni lestari; darwis harahap; sry lestari; syuaib nasution
Journal Of Sharia Banking Vol 1, No 1 (2020)
Publisher : Institut Agama Islam Negeri Padangsidimpuan

This research is motivated by the lack of interest of prospective pilgrims in choosing Hajj Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan, the data obtained fluctuated. The purpose of this study was to determine the effect of promotion, service, and product simultaneously on customer interest in choosing Hajj Arafah savings savings at Bank Muamalat Indonesia Tbk KCU Padangsidimpuan. This research is a quantitative research, the data source used is primary data. The data collection technique used is a questionnaire, with a sample of 92 respondents and the sample measurement technique is the Slovin formula. The analysis used is validity test and reliability test and classical assumption test. Multiple linear regression analysis, hypothesis testing and determination coefficient test R2. The results of this study simultaneously promotion, service, and product simultaneously influence the interest of prospective pilgrims to choose Arafah savings at PT. Bank Muamalat Indonesia Tbk KCU Padangsidimpuan.

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